Median Earnings (1yr)
$23,127
35th percentile (40th in NJ)
Median Debt
$23,541
9% below national median
Debt-to-Earnings
1.02
Elevated
Sample Size
31
Adequate data

Analysis

Ramapo's music program lands graduates in a financially precarious position, with first-year earnings of $23,127 that struggle to cover the $23,541 in typical debt. While the program charges slightly less than New Jersey's median for music degrees, it also delivers below-median outcomes—ranking in just the 40th percentile among the state's 20 music programs. The Rutgers campuses demonstrate that bachelor's-level music training can yield 60% higher earnings, though Ramapo does edge out the state median by fourth year as earnings climb to $27,083.

The 17% earnings growth over four years suggests graduates eventually find steadier footing in music education, performance, or related fields. However, that debt-to-earnings ratio above 1.0 means new graduates face student loan payments that will strain typical music industry entry-level salaries. For context, this program performs below the national median as well, placing in the 35th percentile nationwide.

For families considering this path, the financial reality is stark: expect your graduate to need supplemental income or family support in those crucial early years while building a music career. If your student is determined to pursue music at a New Jersey public institution, programs at Rutgers or Rowan deliver meaningfully better earning potential for similar educational investment.

Where Ramapo College of New Jersey Stands

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

Ramapo College of New JerseyOther music 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 Ramapo College of New Jersey graduates compare to all programs nationally

Ramapo College of New Jersey graduates earn $23k, placing them in the 35th percentile of all music 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

Music bachelors's programs at peer institutions in New Jersey (20 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Ramapo College of New Jersey$23,127$27,083$23,5411.02
Rutgers University-Camden$36,707$34,223$26,0000.71
Rutgers University-Newark$36,707$34,223$26,0000.71
Rutgers University-New Brunswick$36,707$34,223$26,0000.71
Rowan University$32,781$50,331$26,5000.81
Montclair State University$27,977$39,961$27,0000.97
National Median$26,036—$26,0001.00

Other Music Programs in New Jersey

Compare tuition, earnings, and debt across New Jersey schools

SchoolIn-State TuitionEarnings (1yr)Debt
Rutgers University-Camden
Camden
$17,079$36,707$26,000
Rutgers University-Newark
Newark
$16,586$36,707$26,000
Rutgers University-New Brunswick
New Brunswick
$17,239$36,707$26,000
Rowan University
Glassboro
$15,700$32,781$26,500
Montclair State University
Montclair
$14,766$27,977$27,000

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 Ramapo College of New Jersey, approximately 27% 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 31 graduates with reported earnings and 32 graduates with debt data. Small samples may not be representative.