Analysis
Is $36,000 in first-year earnings enough to justify $26,000 in debt for a biological and physical sciences degree? Peer programs in New York suggest that's roughly what graduates from this type of program earn, placing St. Thomas Aquinas College's estimated outcomes right at the state median. The debt load—also estimated from similar bachelor's programs at comparable institutions—sits slightly above the national typical of $24,250, though not dramatically so. The debt-to-earnings ratio of 0.72 means graduates would owe about 8-9 months of their first-year salary, a manageable threshold if those initial earnings hold steady.
The challenge with biological and physical sciences degrees is what comes next. These programs often serve as stepping stones to graduate school, professional programs, or specialized certifications where the real earning power develops. If your child plans to enter the workforce immediately after graduation, $36,000 represents a modest starting point—functional but not financially comfortable in the New York metro area. The estimated figures here mirror what Hunter College grads report earning, which suggests the projection isn't wildly optimistic, but without actual data from St. Thomas Aquinas itself, there's inherent uncertainty about how their specific program performs.
Before committing, get concrete placement information directly from the school: where do recent graduates actually end up, and what are they earning two or three years out? The estimated numbers suggest a reasonable foundation, but in a field where career trajectory matters enormously, you need evidence that this particular program launches students toward their next step effectively.
Where St. Thomas Aquinas College Stands
Earnings vs. debt across all biological and physical sciences bachelors's programs nationally
Compare to Similar Programs in New York
Biological and Physical Sciences bachelors's programs at peer institutions in New York (17 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $37,720 | $36,362* | — | $26,120* | — | |
| $63,612 | $39,296* | — | $27,000* | 0.69 | |
| $7,382 | $36,362* | $60,863 | $10,348* | 0.28 | |
| $61,992 | $29,958* | $58,912 | $24,250* | 0.81 | |
| National Median | — | $34,380* | — | $24,250* | 0.71 |
Career Paths
Occupations commonly associated with biological and physical sciences graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Secondary School Teachers, Except Special and Career/Technical Education
Postsecondary Teachers, 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 St. Thomas Aquinas College, approximately 18% 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 3 similar programs in NY. Actual outcomes may vary.