Est. Earnings (1yr)
$36,337
Est. from MD median (6 programs)
Est. Median Debt
$28,750
Est. from MD median (5 programs)

Analysis

This analysis requires a critical clarification: the Naval Academy charges no tuition and provides a monthly stipend to all students, who incur no educational debt. The $28,750 estimated debt figure—derived from other Maryland institutions—is completely inapplicable here. Every midshipman graduates debt-free in exchange for a five-year military service commitment.

The earnings estimate of $36,337 also misses the mark. As commissioned military officers, Naval Academy graduates receive standardized military pay and benefits starting around $40,000 base salary (before housing allowances, healthcare, and other benefits), regardless of major. The estimated figure, pulled from civilian liberal arts programs across Maryland, doesn't reflect the distinct career path Academy graduates follow. Their compensation package and career trajectory bear no resemblance to graduates from the state's other liberal arts programs listed for comparison—Notre Dame of Maryland or Frostburg State.

For families considering the Naval Academy, the financial calculation is straightforward but fundamentally different from traditional college: zero cost and guaranteed employment versus a significant military service obligation. The liberal arts degree itself is almost beside the point—what matters is whether your child is prepared for military service and leadership. The suppressed data here isn't hiding a story; it's simply reflecting that this institution operates in an entirely separate category from other colleges.

Where United States Naval Academy Stands

Earnings vs. debt across all liberal arts and sciences, general studies and humanities bachelors's programs nationally

Compare to Similar Programs in Maryland

Liberal Arts and Sciences, General Studies and Humanities bachelors's programs at peer institutions in Maryland (14 total in state)

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SchoolIn-State TuitionEarnings (1yr)*Earnings (4yr)Median Debt*Debt/Earnings
United States Naval AcademyAnnapolis—$36,337*—$28,750*—
Notre Dame of Maryland UniversityBaltimore$41,910$48,819*$47,178$28,000*0.57
Morgan State UniversityBaltimore$8,118$39,699*—$32,512*0.82
Salisbury UniversitySalisbury$10,638$38,478*$49,700$25,000*0.65
University of Maryland Global CampusAdelphi$7,992$34,196*$37,432$20,500*0.60
Frostburg State UniversityFrostburg$9,998$32,889*$47,725$28,750*0.87
National Median—$36,340*—$27,000*0.74
* Estimated from similar programs

Career Paths

Occupations commonly associated with liberal arts and sciences, general studies and humanities graduates

Postsecondary Teachers, All Other

All postsecondary teachers not listed separately.

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). 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 6 similar programs in MD. Actual outcomes may vary.