Analysis
A debt load of $30,016 against first-year earnings around $50,000 creates a manageable starting point for Merrimack's HR program, though these figures come from national peer programs rather than tracked outcomes of this school's graduates. The estimated debt-to-earnings ratio of 0.60 falls within the range financial advisors typically consider reasonable for a bachelor's degree, suggesting monthly loan payments that shouldn't consume more than about 10% of gross income in the early years.
What's harder to assess is whether Merrimack offers any distinctive advantage over the ten other Massachusetts schools teaching HR management. The estimated earnings align with the national median for this major, which is neither impressive nor alarmingβHR roles typically start in this $48,000-$52,000 range regardless of where you study. The real question becomes whether the private college premium at Merrimack translates into stronger employer connections or career services, since the curriculum itself tends to be fairly standardized across programs.
For parents weighing this investment, the math works on paper but lacks the specificity you'd want for a $120,000 four-year commitment. If your child has strong relationships with faculty here or access to Merrimack's Boston-area network, the estimated debt burden appears sustainable. If they're choosing primarily on convenience or campus feel, exploring the state's public options could deliver similar HR career outcomes at significantly lower cost.
Where Merrimack College Stands
Earnings vs. debt across all human resources management and services bachelors's programs nationally
Compare to Similar Programs Nationally
Human Resources Management and Services bachelors's programs at top institutions nationally
Scroll to see more β
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $51,786 | $50,361* | β | $30,016* | β | |
| $34,290 | $83,475* | $70,999 | $31,872* | 0.38 | |
| $17,228 | $82,714* | $92,289 | $14,225* | 0.17 | |
| $65,997 | $82,255* | β | $38,832* | 0.47 | |
| $34,595 | $80,566* | β | $29,812* | 0.37 | |
| $25,220 | $77,897* | $68,524 | $32,111* | 0.41 | |
| National Median | β | $50,361* | β | $26,625* | 0.53 |
Career Paths
Occupations commonly associated with human resources management and services graduates
Compensation and Benefits Managers
Human Resources Managers
Training and Development Managers
Labor Relations Specialists
Business Teachers, Postsecondary
Law Teachers, Postsecondary
Compliance Officers
Environmental Compliance Inspectors
Equal Opportunity Representatives and Officers
Government Property Inspectors and Investigators
Coroners
Regulatory Affairs Specialists
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 Merrimack College, approximately 15% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 169 similar programs. Actual outcomes may vary.