Analysis
Saint Mary's biology graduates carry $27,000 in debt—a manageable burden that ranks among the lowest 5% nationally for this major. With first-year earnings tracking right at Indiana's state median around $36,000 and four-year earnings jumping to $64,337, the debt picture here looks considerably better than most biology programs.
The challenge is that much of this assessment relies on estimates. Saint Mary's actual first-year figure is suppressed due to small sample size, so we're using what comparable Indiana biology programs typically produce. The good news: even with conservative assumptions, the 0.75 debt-to-earnings ratio suggests borrowers would need less than a year's salary to cover their loans—a threshold that signals reasonable affordability. The jump to $64,337 by year four is actual reported data, suggesting either strong graduate school outcomes or career progression that many biology majors struggle to achieve elsewhere.
What's less clear is whether Saint Mary's smaller cohort reflects something about the program itself—perhaps fewer students means more attention, or perhaps it indicates limited research infrastructure compared to larger universities like Purdue, where biology graduates reportedly start at $40,000+. For families, the relatively low debt ceiling matters most: even if first-year earnings lag peer schools slightly, graduates aren't starting their careers—or medical school applications—buried under six-figure loans.
Where Saint Mary's College Stands
Earnings vs. debt across all biology bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Saint Mary's College | — | $64,337 | — |
| University of Indianapolis | $39,909 | $58,425 | +46% |
| Purdue University-Main Campus | $40,145 | $56,985 | +42% |
| Indiana University-Bloomington | $36,500 | $56,288 | +54% |
| University of Notre Dame | $32,876 | $54,374 | +65% |
Compare to Similar Programs in Indiana
Biology bachelors's programs at peer institutions in Indiana (42 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $51,430 | $36,161* | $64,337 | $27,000 | — | |
| $9,992 | $43,656* | $46,860 | $21,948 | 0.50 | |
| $9,992 | $40,145* | $56,985 | $20,380 | 0.51 | |
| $36,136 | $39,909* | $58,425 | $27,000 | 0.68 | |
| $35,600 | $39,067* | — | $23,250 | 0.60 | |
| $10,136 | $38,985* | $49,171 | $23,375 | 0.60 | |
| National Median | — | $32,316* | — | $25,000 | 0.77 |
Career Paths
Occupations commonly associated with biology graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Medical Scientists, Except Epidemiologists
Biological Science Teachers, Postsecondary
Forensic Science Technicians
Secondary School Teachers, Except Special and Career/Technical Education
Biological Technicians
Agricultural Technicians
Precision Agriculture Technicians
Food Science Technicians
Biological Scientists, All Other
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 Mary's College, approximately 24% 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 median of 17 similar programs in IN. Actual outcomes may vary.