Analysis
A $25,000 debt load for a chemistry bachelor's degree sits right at the national benchmark for the major, but the estimated first-year earnings of $42,600—derived from what's typical nationally—reveal a modest financial foundation. With a debt-to-earnings ratio of 0.59, graduates would theoretically owe about seven months of pre-tax income, which falls within manageable territory. The catch: these figures come from peer programs nationwide, not Saint Joseph's own outcomes, making them educated guesses rather than guarantees.
Maine's chemistry landscape offers limited comparison points, but nationally, this field tends to reward those who pursue advanced degrees or land positions requiring technical expertise. The estimated starting salary here aligns with the national median, suggesting neither advantage nor disadvantage—though whether Saint Joseph's specific curriculum, research opportunities, and career services help graduates reach or exceed that figure remains uncertain without actual outcome data.
The practical reality is straightforward: if your child follows a typical trajectory for chemistry graduates, the debt should be serviceable, but the relatively modest starting pay means there won't be much cushion for loan payments alongside other expenses. Chemistry degrees often serve as stepping stones to graduate programs, industry certifications, or specialized roles that pay better—so evaluate whether Saint Joseph's positions students effectively for those next steps, since the bachelor's degree alone produces middle-of-the-road earnings potential.
Where Saint Joseph's College of Maine Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs Nationally
Chemistry bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $42,834 | $42,581* | — | $24,994* | — | |
| $63,141 | $62,511* | $88,634 | $24,500* | 0.39 | |
| $14,850 | $59,576* | $64,496 | $11,172* | 0.19 | |
| $14,766 | $55,389* | — | $23,600* | 0.43 | |
| $11,389 | $55,376* | $67,363 | $27,000* | 0.49 | |
| $16,080 | $54,055* | $67,828 | $24,893* | 0.46 | |
| National Median | — | $42,581* | — | $24,000* | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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 Saint Joseph's College of Maine, approximately 20% 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 205 similar programs. Actual outcomes may vary.