Median Earnings (1yr)
$30,605
5th percentile (10th in NJ)
Median Debt
$20,250
6% below national median
Debt-to-Earnings
0.66
Manageable
Sample Size
35
Adequate data

Analysis

New Jersey City University's mathematics program starts behind but tells an unusual story of dramatic income growth. First-year graduates earn just $30,605—landing in the bottom 10% among New Jersey math programs and well below the state median of $50,810. But four years later, earnings jump 70% to $52,107, surpassing both the national and state medians for the field. This trajectory suggests graduates may be entering teaching or entry-level positions initially, then transitioning into better-paying roles as they gain experience or complete additional credentials.

The debt picture helps offset the weak start: at $20,250, it's below both state and national averages, and the 0.66 debt-to-earnings ratio means graduates owe less than eight months of their first-year salary. For a school serving a primarily working-class student body (52% receive Pell grants), this manageable debt load matters. However, families should note that top NJ programs like NJIT ($65,725) and the Rutgers campuses (all around $55,000) deliver much stronger first-year earnings—more than double NJCU's initial outcomes.

This program makes sense for students prioritizing access and affordability over immediate earning power, particularly if they have a plan for that difficult first year financially. But the dramatically higher starting salaries elsewhere in New Jersey suggest that stronger students should seriously consider the state's more competitive math programs.

Where New Jersey City University Stands

Earnings vs. debt across all mathematics bachelors's programs nationally

New Jersey City UniversityOther mathematics programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How New Jersey City University graduates compare to all programs nationally

New Jersey City University graduates earn $31k, placing them in the 5th percentile of all mathematics bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in New Jersey

Mathematics bachelors's programs at peer institutions in New Jersey (26 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
New Jersey City University$30,605$52,107$20,2500.66
New Jersey Institute of Technology$65,725$67,694$26,1900.40
Rutgers University-Newark$54,953$77,902$23,0000.42
Rutgers University-Camden$54,953$77,902$23,0000.42
Rutgers University-New Brunswick$54,953$77,902$23,0000.42
Stockton University$53,915$59,973$25,9840.48
National Median$48,772—$21,5000.44

Other Mathematics Programs in New Jersey

Compare tuition, earnings, and debt across New Jersey schools

SchoolIn-State TuitionEarnings (1yr)Debt
New Jersey Institute of Technology
Newark
$19,022$65,725$26,190
Rutgers University-Newark
Newark
$16,586$54,953$23,000
Rutgers University-Camden
Camden
$17,079$54,953$23,000
Rutgers University-New Brunswick
New Brunswick
$17,239$54,953$23,000
Stockton University
Galloway
$15,532$53,915$25,984

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 New Jersey City University, approximately 52% 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 35 graduates with reported earnings and 31 graduates with debt data. Small samples may not be representative.