Analysis
The real challenge here is that similar computer science associate's programs in Massachusetts show lower first-year earnings than the national average. While peer programs nationally suggest around $39,000 in starting income, Massachusetts programs typically produce closer to $30,000โa significant gap that should factor into any cost-benefit calculation. North Shore's estimated $12,500 debt load aligns with what community colleges typically charge, but that debt takes on different weight depending on which earnings scenario materializes.
A 0.32 debt-to-earnings ratio looks manageable on paper if graduates match the national benchmark, but if outcomes track closer to the Massachusetts median, that ratio jumps to nearly 0.41. The difference matters practically: at $30,000, monthly loan payments would consume a larger share of take-home pay in a high-cost state like Massachusetts. For families considering this program, the question becomes whether a two-year degree provides sufficient technical depth for the local job market, or whether it serves primarily as a stepping stone to a bachelor's program where the real earnings premium kicks in.
Given the uncertainty in both earnings estimates and the program's actual outcomes, treat this as a foundation credential rather than a terminal degree. If your student plans to transfer and complete a four-year degree, the modest debt makes sense. If they're banking on immediate career entry at competitive wages, comparable Massachusetts programs suggest tempering those expectations.
Where North Shore Community College Stands
Earnings vs. debt across all computer science associates's programs nationally
Compare to Similar Programs in Massachusetts
Computer Science associates's programs at peer institutions in Massachusetts (10 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $5,352 | $39,118* | โ | $12,458* | โ | |
| $5,520 | $30,332* | โ | $9,000* | 0.30 | |
| National Median | โ | $39,118* | โ | $12,458* | 0.32 |
Career Paths
Occupations commonly associated with computer science graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Software Quality Assurance Analysts and Testers
Information Security Analysts
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Computer Programmers
Web Developers
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 North Shore Community College, approximately 33% 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 6 similar programs. Actual outcomes may vary.