Analysis
A debt-to-earnings ratio of 0.64 looks manageable on paper, but the context matters. Public health bachelor's programs across Maryland show first-year earnings clustering around $37,000-$38,000, with University of Baltimore's estimated figures falling right in that range. However, the estimated $24,000 debt load—if accurate—would actually exceed what most Maryland public health graduates carry. The state median is just $18,000, meaning this program could saddle students with roughly $6,000 more debt than peers at other Maryland schools for similar early-career outcomes.
The first-year earnings of roughly $37,500 translate to about $3,125 monthly before taxes, making that $24,000 debt serviceable but tight. With 43% of students receiving Pell grants, many families here are cost-sensitive, and that extra debt compared to state peers adds up to real monthly payment differences. Public health careers often require graduate degrees for advancement, which means borrowers may be managing this undergraduate debt while contemplating additional education expenses.
Given the uncertainty around these estimates and the debt premium compared to Maryland alternatives, families should get specific answers from University of Baltimore about actual graduate outcomes and explore whether lower-debt options exist for the same credential. This field rewards credentials and experience more than institutional prestige, so paying more for similar outcomes needs concrete justification.
Where University of Baltimore Stands
Earnings vs. debt across all public health bachelors's programs nationally
Compare to Similar Programs in Maryland
Public Health bachelors's programs at peer institutions in Maryland (5 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $9,772 | $37,548* | — | $24,000* | — | |
| $11,505 | $38,273* | $58,232 | $23,424* | 0.61 | |
| $63,340 | $36,540* | $77,335 | $12,750* | 0.35 | |
| National Median | — | $37,548* | — | $26,000* | 0.69 |
Career Paths
Occupations commonly associated with public health graduates
Physicists
Medical and Health Services Managers
Medical Scientists, Except Epidemiologists
Genetic Counselors
Epidemiologists
Physics Teachers, Postsecondary
Health Specialties Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
Climate Change Policy Analysts
Environmental Restoration Planners
Industrial Ecologists
Occupational Health and Safety Specialists
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 University of Baltimore, approximately 43% 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 213 similar programs. Actual outcomes may vary.