Analysis
A chemistry bachelor's degree from Universidad Central de Bayamón comes with significant financial challenges that stand out even among Puerto Rico's other programs. Based on comparable chemistry programs nationally, graduates here might expect around $43,000 in first-year earnings—more than double the $19,600 median for chemistry programs across Puerto Rico. However, the estimated debt load of nearly $25,000 is also roughly double what students at other PR chemistry programs typically carry, creating a debt-to-earnings ratio that looks manageable on paper but demands careful scrutiny in Puerto Rico's economic context.
The university serves a predominantly low-income student body (83% receive Pell grants), and while the estimated earnings suggest graduates could theoretically manage this debt burden, there's substantial uncertainty here. The actual outcomes for this specific program aren't available due to small graduate cohorts, and even the top-performing chemistry programs in Puerto Rico—like UPR-Humacao at $22,743—report earnings well below these national estimates. If this program's actual outcomes align more closely with Puerto Rico norms than national figures, that $25,000 debt becomes considerably harder to justify.
Given the disconnect between estimated national-level earnings and what other Puerto Rican chemistry programs actually report, families should verify employment outcomes directly with the school before committing. The debt here isn't catastrophic, but you're betting on significantly above-average results in a market where similar programs typically produce much lower earnings.
Where Universidad Central de Bayamon Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs in Puerto Rico
Chemistry bachelors's programs at peer institutions in Puerto Rico (16 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $5,986 | $42,581* | — | $24,994* | — | |
| $5,364 | $22,743* | $43,253 | —* | — | |
| $5,274 | $16,465* | $49,485 | $9,500* | 0.58 | |
| National Median | — | $42,581* | — | $24,000* | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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 Universidad Central de Bayamon, approximately 83% 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 national median of 205 similar programs. Actual outcomes may vary.