Median Earnings (1yr)
$19,618
19th percentile (60th in MD)
Median Debt
$19,102
27% below national median
Debt-to-Earnings
0.97
Manageable
Sample Size
28
Limited data

Analysis

Towson's music program starts graduates at just under $20,000 annually—well below the national median for music majors—but here's the twist: this places them right at Maryland's median for music programs. In a state where Johns Hopkins music grads actually earn less and UMBC graduates earn only $4,000 more, Towson isn't an outlier. The challenge is that music programs across Maryland appear to struggle compared to national standards, with all Maryland schools clustering in the lower third nationally.

The debt picture offers some relief. At $19,102, Towson graduates carry about $4,000 less than the typical Maryland music major and $7,000 less than the national median. That nearly 1:1 debt-to-earnings ratio in year one improves as graduates gain experience—earnings jump 42% by year four to nearly $28,000. For a field where starting salaries are inherently low and many graduates pursue portfolio careers, gig work, or graduate school, managing debt becomes paramount.

One critical caveat: this data reflects fewer than 30 graduates, so individual circumstances heavily influence these numbers. If your child is serious about music and Maryland residency makes Towson affordable, the contained debt is its strongest selling point. But have an honest conversation about backup plans and supplemental income during those early career years, because even with growth, these earnings will require careful financial management.

Where Towson University Stands

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

Towson UniversityOther music 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 Towson University graduates compare to all programs nationally

Towson University graduates earn $20k, placing them in the 19th percentile of all music 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 Maryland

Music bachelors's programs at peer institutions in Maryland (14 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Towson University$19,618$27,787$19,1020.97
University of Maryland-Baltimore County$23,991$39,896$29,0001.21
Johns Hopkins University$16,479$18,605$23,2501.41
National Median$26,036—$26,0001.00

Other Music Programs in Maryland

Compare tuition, earnings, and debt across Maryland schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Maryland-Baltimore County
Baltimore
$12,952$23,991$29,000
Johns Hopkins University
Baltimore
$63,340$16,479$23,250

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 Towson University, approximately 33% 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 28 graduates with reported earnings and 37 graduates with debt data. Small samples may not be representative.