Based on U.S. Department of Education data (October 2025 release). Some figures are estimates based on similar programs — see details below.
Analysis
Philosophy majors from comparable New Jersey programs typically earn around $40,000 in their first year—a figure that places them well above the national median for the field ($31,652) and even slightly beyond the 75th percentile nationally. The estimated $25,000 debt load, while not insignificant, produces a manageable 0.62 debt-to-earnings ratio. This suggests that within a year and a half of graduation, typical earnings would cover the full debt amount—a reasonable timeline for a liberal arts degree that often serves as preparation for graduate school or diverse career paths rather than immediate high earnings.
The challenge here is uncertainty. With data suppressed due to small graduate samples, we're relying on patterns from similar New Jersey programs rather than outcomes specific to TCNJ. Philosophy graduates notoriously scatter across law schools, consulting firms, tech companies, and nonprofit organizations, making their career trajectories harder to predict than, say, accounting majors. The estimated figures align with what Rutgers campuses report, but your child's individual outcome will depend heavily on how they leverage the degree—whether through graduate education, strategic internships, or building complementary skills.
For families comfortable with moderate debt and open to the long game that liberal arts degrees often require, these estimates suggest reasonable financial footing. But if you're looking for clear ROI data specific to TCNJ's program, it simply doesn't exist in numbers large enough to publish.
Where The College of New Jersey Stands
Earnings vs. debt across all philosophy bachelors's programs nationally
Compare to Similar Programs in New Jersey
Philosophy bachelors's programs at peer institutions in New Jersey (19 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $18,685 | $40,113* | — | $25,000* | — | |
| $17,079 | $40,113* | $53,001 | $25,000* | 0.62 | |
| $17,239 | $40,113* | $53,001 | $25,000* | 0.62 | |
| $16,586 | $40,113* | $53,001 | $25,000* | 0.62 | |
| National Median | — | $31,652* | — | $22,641* | 0.72 |
Career Paths
Occupations commonly associated with philosophy graduates
Natural Sciences Managers
Clinical Research Coordinators
Mathematicians
Mathematical Science Teachers, Postsecondary
Philosophy and Religion Teachers, Postsecondary
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 The College of New Jersey, 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 median of 3 similar programs in NJ. Actual outcomes may vary.