Analysis
Is $26,000 in debt justified for first-year earnings around $35,772? Based on comparable social sciences programs in New York, that's the calculus facing families considering Touro's bachelor's degree. The debt-to-earnings ratio of 0.73 sits in reasonable territory—the debt equals roughly nine months of that first year's income—but there's significant uncertainty here since both figures are estimates drawn from peer programs rather than Touro's actual graduate outcomes.
What complicates the picture is that New York's social sciences market shows enormous variation. Programs at CUNY's Graduate School produce starting salaries above $54,000, while similar bachelor's programs across the state cluster closer to Touro's estimated range. The estimated $26,000 debt also runs higher than New York's $21,366 median for these programs, which means families would be taking on above-average borrowing for what appears to be mid-pack earning potential. For a school with selective admissions (63% acceptance rate, 1365 average SAT), that's not the premium outcome many would expect.
The practical challenge: without actual graduate data, you're making an enrollment decision based on what similar programs typically produce, not what Touro specifically delivers. If your child is considering social sciences here, request concrete information about graduate outcomes and compare net cost after aid against CUNY or SUNY options where data suggests comparable—or better—results at potentially lower cost.
Where Touro University Stands
Earnings vs. debt across all social sciences bachelors's programs nationally
Compare to Similar Programs in New York
Social Sciences bachelors's programs at peer institutions in New York (25 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $21,810 | $35,772* | — | $26,000* | — | |
| $7,410 | $54,265* | — | $12,500* | 0.23 | |
| $8,379 | $40,537* | $51,171 | $19,500* | 0.48 | |
| $7,470 | $37,919* | $49,676 | —* | — | |
| $64,348 | $37,491* | $61,172 | $21,366* | 0.57 | |
| $60,438 | $35,772* | — | $20,188* | 0.56 | |
| National Median | — | $36,279* | — | $25,500* | 0.70 |
Career Paths
Occupations commonly associated with social sciences graduates
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 Touro University, approximately 32% 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 9 similar programs in NY. Actual outcomes may vary.