Analysis
Massachusetts Maritime Academy graduates step directly into high-paying careers, with first-year earnings of $84,187—more than double what typical bachelor's degree holders earn. The debt load of $24,686 is remarkably low for such strong earnings, creating a debt-to-earnings ratio of just 0.29. You'd need less than four months of gross income to pay off the entire debt, assuming you dedicated all earnings to it. That's among the best financial profiles you'll find in higher education.
What makes this especially compelling is the earnings trajectory: graduates see a 26% income jump by year four, reaching $106,416. Marine transportation officers are in steady demand, and the specialized skills taught here—navigation, cargo operations, maritime law—can't be easily replicated with online courses or cheaper alternatives. While Massachusetts Maritime is the only school offering this program in-state (making state comparisons limited), nationally it performs right at the median, which is still excellent given how strong this field is overall.
The 95% admission rate shouldn't worry you—this is a specialized maritime academy where applicants self-select heavily. Students need genuine interest in a merchant marine career, not just strong test scores. For a young person drawn to the maritime industry and comfortable with the regimented academy environment, this represents one of the clearest paths to a six-figure income within five years of graduation.
Where Massachusetts Maritime Academy Stands
Earnings vs. debt across all marine transportation bachelors's programs nationally
Earnings Distribution
How Massachusetts Maritime Academy graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Massachusetts Maritime Academy | $84,187 | $106,416 | +26% |
| Northwestern Michigan College | $87,281 | $123,697 | +42% |
| Maine Maritime Academy | $82,725 | $102,847 | +24% |
| Texas A&M University-College Station | $87,444 | $100,933 | +15% |
| California State University Maritime Academy | $87,464 | $98,863 | +13% |
Compare to Similar Programs Nationally
Marine Transportation bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $10,816 | $84,187 | $106,416 | $24,686 | 0.29 | |
| $7,672 | $87,464 | $98,863 | $26,945 | 0.31 | |
| $13,099 | $87,444 | $100,933 | $25,000 | 0.29 | |
| $5,350 | $87,281 | $123,697 | $26,542 | 0.30 | |
| $14,746 | $82,725 | $102,847 | $27,000 | 0.33 | |
| $8,540 | $79,797 | $96,393 | $25,000 | 0.31 | |
| National Median | — | $84,187 | — | $25,771 | 0.31 |
Career Paths
Occupations commonly associated with marine transportation graduates
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Massachusetts Maritime Academy, approximately 17% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Sample Size: Based on 103 graduates with reported earnings and 94 graduates with debt data. Small samples may not be representative.