Location: North Andover, MA•In-State Tuition: $51,786•Admission Rate: 74%
Est. Earnings (1yr)
$39,252
Est. from national median (41 programs)
Est. Median Debt
$27,000
Est. from national median (17 programs)

Analysis

A debt-to-earnings ratio near 0.7 suggests manageable borrowing, but the context here matters considerably. Based on comparable Security Science and Technology programs nationally, first-year earnings around $39,000 would mean monthly loan payments consuming roughly 10% of take-home pay—tight but workable for most graduates. What complicates the picture is that Massachusetts programs in this field typically produce lower earnings than the national average ($32,326 versus $39,252), while debt loads run slightly higher. If Merrimack's actual outcomes follow the state pattern rather than national trends, the financial squeeze becomes more pronounced.

The challenge with security-focused bachelor's programs is that many career paths in cybersecurity, intelligence analysis, or corporate security don't necessarily require this specific credential—competing routes include IT degrees, criminal justice programs, or technical certifications paired with experience. The program's small cohort size (hence the suppressed data) might indicate either selective admission or limited enrollment, which could mean stronger industry connections or simply fewer local opportunities that require this particular degree.

For families considering this investment, the key question is whether the specialized curriculum opens doors that justify both the cost and the regional earning patterns. If your child has strong job prospects lined up or plans to work outside Massachusetts where security roles pay better, the estimated debt becomes more reasonable. Without that clarity, a $27,000 bet on outcomes we can only approximate from peer programs requires careful conversation about career alternatives.

Where Merrimack College Stands

Earnings vs. debt across all security science and technology bachelors's programs nationally

Merrimack College (estimated ±10%)Other security science and technology programs

Dashed lines show national medians. Upper-left = best value.

Compare to Similar Programs in Massachusetts

Security Science and Technology bachelors's programs at peer institutions in Massachusetts (8 total in state)

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SchoolIn-State TuitionEarnings (1yr)*Earnings (4yr)Median Debt*Debt/Earnings
Merrimack CollegeNorth Andover$51,786$39,252*—$27,000*—
Bay Path UniversityLongmeadow$37,227$32,326*$40,440$29,113*0.90
National Median—$39,252*—$25,000*0.64
* Estimated from similar programs

Career Paths

Occupations commonly associated with security science and technology graduates

Information Security Analysts

Plan, implement, upgrade, or monitor security measures for the protection of computer networks and information. Assess system vulnerabilities for security risks and propose and implement risk mitigation strategies. May ensure appropriate security controls are in place that will safeguard digital files and vital electronic infrastructure. May respond to computer security breaches and viruses.

$124,910/yrJobs growth:Bachelor's degree

Geographers

Study the nature and use of areas of the Earth's surface, relating and interpreting interactions of physical and cultural phenomena. Conduct research on physical aspects of a region, including land forms, climates, soils, plants, and animals, and conduct research on the spatial implications of human activities within a given area, including social characteristics, economic activities, and political organization, as well as researching interdependence between regions at scales ranging from local to global.

$97,200/yrJobs growth:Bachelor's degree

Financial Examiners

Enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. May examine, verify, or authenticate records.

$90,400/yrJobs growth:Bachelor's degree

Geography Teachers, Postsecondary

Teach courses in geography. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Criminal Justice and Law Enforcement Teachers, Postsecondary

Teach courses in criminal justice, corrections, and law enforcement administration. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Accountants and Auditors

Examine, analyze, and interpret accounting records to prepare financial statements, give advice, or audit and evaluate statements prepared by others. Install or advise on systems of recording costs or other financial and budgetary data.

$81,680/yrJobs growth:Bachelor's degree

Cartographers and Photogrammetrists

Research, study, and prepare maps and other spatial data in digital or graphic form for one or more purposes, such as legal, social, political, educational, and design purposes. May work with Geographic Information Systems (GIS). May design and evaluate algorithms, data structures, and user interfaces for GIS and mapping systems. May collect, analyze, and interpret geographic information provided by geodetic surveys, aerial photographs, and satellite data.

$78,380/yrJobs growth:Bachelor's degree

Detectives and Criminal Investigators

Conduct investigations related to suspected violations of federal, state, or local laws to prevent or solve crimes.

$77,270/yrJobs growth:

Police Identification and Records Officers

Collect evidence at crime scene, classify and identify fingerprints, and photograph evidence for use in criminal and civil cases.

$77,270/yrJobs growth:

Intelligence Analysts

Gather, analyze, or evaluate information from a variety of sources, such as law enforcement databases, surveillance, intelligence networks or geographic information systems. Use intelligence data to anticipate and prevent organized crime activities, such as terrorism.

$77,270/yrJobs growth:

Police and Sheriff's Patrol Officers

Maintain order and protect life and property by enforcing local, tribal, state, or federal laws and ordinances. Perform a combination of the following duties: patrol a specific area; direct traffic; issue traffic summonses; investigate accidents; apprehend and arrest suspects, or serve legal processes of courts. Includes police officers working at educational institutions.

$77,270/yrJobs growth:

Customs and Border Protection Officers

Investigate and inspect persons, common carriers, goods, and merchandise, arriving in or departing from the United States or between states to detect violations of immigration and customs laws and regulations.

$77,270/yrJobs growth:
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 41 similar programs. Actual outcomes may vary.