Analysis
A debt load approaching $49,000 for a bachelor's in software and media applications demands careful scrutiny, particularly when peer programs nationally suggest first-year earnings around $38,000. That 1.28 debt-to-earnings ratio means graduates would owe more than a full year's salary before taxes—a burden that could take a decade or more to resolve on typical tech sector starting salaries. With 71% of students receiving Pell grants, many families here are counting on this degree to change their financial trajectory, but they're taking on substantially more debt than the national median of $27,000 for similar programs.
The Puerto Rico context adds another layer of complexity. The one comparable program with reported data shows earnings of just $15,617—dramatically lower than national figures. If NUC graduates face the local PR job market rather than relocating to the mainland, those earnings estimates could prove wildly optimistic, turning an already challenging debt burden into something nearly unmanageable. Even if graduates do find $38,000-level positions, the monthly loan payments on $49,000 in debt would consume a significant portion of take-home pay.
Before committing, families should understand exactly where recent graduates have landed jobs—specifically whether they're staying in Puerto Rico or relocating. If most positions are on the mainland, factor in relocation costs and being far from family support networks. If they're local, the debt load looks even more precarious against PR salary realities.
Where NUC University Stands
Earnings vs. debt across all computer software and media applications bachelors's programs nationally
Compare to Similar Programs in Puerto Rico
Computer Software and Media Applications bachelors's programs at peer institutions in Puerto Rico (4 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $8,054 | $38,234* | — | $48,849* | — | |
| $8,280 | $15,617* | $22,518 | $5,131* | 0.33 | |
| National Median | — | $38,234* | — | $27,000* | 0.71 |
Career Paths
Occupations commonly associated with computer software and media applications graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Database Administrators
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Special Effects Artists and Animators
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 NUC University, approximately 71% 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 55 similar programs. Actual outcomes may vary.