Analysis
A $22,000 debt load for first-year earnings around $46,000 creates a manageable 0.47 debt-to-earnings ratio—roughly half your income, which suggests graduates could realistically pay down this investment within a few years. Based on comparable mathematics programs across New York, this sits squarely at the state median for both earnings and debt, representing a middle-of-the-road outcome rather than exceptional value or obvious risk.
The reality check comes when you look at other mathematics programs in the state. Cornell graduates earn nearly double at $87,000, while even regional competitors like St. Lawrence produce first-year earnings of $58,000. These gaps likely reflect differences in employer access, alumni networks, and institutional reputation rather than curriculum quality alone. Mathematics graduates from peer programs in New York typically enter fields like data analysis, actuarial work, or teaching—but starting salary varies dramatically based on which doors the degree opens.
For a family considering Siena's math program, the key question is whether this middle-tier outcome justifies the investment when stronger alternatives exist in-state. The debt is reasonable enough that it won't derail your child's twenties, but the earnings suggest they'll be competing for entry-level positions rather than commanding premium offers. If Siena provides fit, community, or specific opportunities your child values, these estimated figures suggest a workable financial picture—just not an exceptional one.
Where Siena College Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Compare to Similar Programs in New York
Mathematics bachelors's programs at peer institutions in New York (83 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $44,405 | $45,880* | — | $21,697* | — | |
| $66,014 | $87,251* | $127,962 | $14,146* | 0.16 | |
| $61,884 | $80,196* | $100,012 | $24,250* | 0.30 | |
| $61,992 | $73,204* | — | $26,949* | 0.37 | |
| $60,438 | $58,481* | $90,277 | $19,500* | 0.33 | |
| $63,870 | $58,047* | $68,144 | $25,000* | 0.43 | |
| National Median | — | $48,772* | — | $21,500* | 0.44 |
Career Paths
Occupations commonly associated with mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
Mathematical Science Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
Mathematical Science Occupations, 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 Siena College, approximately 23% 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 22 similar programs in NY. Actual outcomes may vary.