Median Earnings (1yr)
$50,439
36th percentile (40th in NY)
Median Debt
$21,500
14% below national median
Debt-to-Earnings
0.43
Manageable
Sample Size
30
Adequate data

Analysis

SUNY Oswego's accounting program lands squarely in the middle tier of New York options, with first-year earnings of $50,439 trailing both the state median ($51,525) and national median ($53,694). At the 40th percentile statewide, this means six out of ten New York accounting programs deliver stronger starting salaries. The gap widens significantly when you look at top state programs—Syracuse and Binghamton graduates earn nearly 50% more out of the gate. However, the $21,500 median debt is notably lower than both state and national averages, creating a manageable debt burden that graduates can realistically pay down within a year or two of entry-level accounting work.

The core challenge here is modest earnings growth: that 8% increase over four years suggests graduates aren't rapidly climbing into management or senior accounting roles. For comparison, accounting programs typically show stronger mid-career momentum. This plateau could reflect the regional job market around Oswego—a smaller city with fewer Fortune 500 companies and Big Four accounting firms than downstate metro areas where higher-earning graduates tend to land.

The value proposition depends on your financial situation and career ambitions. If your child is paying in-state tuition and wants to work in upstate or central New York, the low debt makes this defensible. But families who can afford similar tuition at Binghamton or other SUNY flagships should seriously consider those alternatives—the earnings premium of $20,000+ annually compounds significantly over a career. This works as a budget-conscious option, not a competitive advantage.

Where State University of New York at Oswego Stands

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

State University of New York at OswegoOther accounting 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 State University of New York at Oswego graduates compare to all programs nationally

State University of New York at Oswego graduates earn $50k, placing them in the 36th percentile of all accounting 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 York

Accounting bachelors's programs at peer institutions in New York (76 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
State University of New York at Oswego$50,439$54,362$21,5000.43
Fordham University$76,473$96,453$23,9700.31
Syracuse University$75,294$85,784$27,0000.36
Binghamton University$74,151$84,365$19,5000.26
Marist University$71,436$79,786$23,2500.33
Molloy University$70,344$84,281$27,0000.38
National Median$53,694—$25,0000.47

Other Accounting Programs in New York

Compare tuition, earnings, and debt across New York schools

SchoolIn-State TuitionEarnings (1yr)Debt
Fordham University
Bronx
$61,992$76,473$23,970
Syracuse University
Syracuse
$63,061$75,294$27,000
Binghamton University
Vestal
$10,363$74,151$19,500
Marist University
Poughkeepsie
$46,140$71,436$23,250
Molloy University
Rockville Centre
$37,840$70,344$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 State University of New York at Oswego, approximately 39% 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 30 graduates with reported earnings and 40 graduates with debt data. Small samples may not be representative.