Median Earnings (1yr)
$36,362
50th percentile (40th in MA)
Median Debt
$25,742
5% below national median
Debt-to-Earnings
0.71
Manageable
Sample Size
46
Adequate data

Analysis

UMass Amherst's Liberal Arts program lands squarely in the middle—it matches the national median almost exactly at $36,362, but trails the Massachusetts median by nearly $3,000. In a state where liberal arts graduates from comparable public schools like Worcester State earn $44,000, that 40th percentile ranking within Massachusetts is worth noting, especially since in-state tuition makes this a natural choice for Bay State families.

The debt load of $25,742 keeps this manageable, with graduates owing less than their first year's salary—a threshold that matters for loan repayment. The 16% earnings growth to $42,130 by year four suggests steady career progression, though it's not the dramatic jump some programs deliver. At a flagship state university with a strong academic reputation (SAT scores averaging 1393), families might reasonably expect outcomes closer to the state average rather than below it.

For Massachusetts families, this is a decent value play with moderate debt and reliable—if unremarkable—earnings. Out-of-state students paying premium tuition should carefully weigh whether $36,000 starting salaries justify the higher cost when their home state flagships might deliver similar outcomes at lower prices. The program works best for students committed to graduate school or who view the liberal arts degree as a foundation rather than a direct career path.

Where University of Massachusetts-Amherst Stands

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

University of Massachusetts-AmherstOther liberal arts and sciences, general studies and humanities 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 University of Massachusetts-Amherst graduates compare to all programs nationally

University of Massachusetts-Amherst graduates earn $36k, placing them in the 50th percentile of all liberal arts and sciences, general studies and humanities 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 Massachusetts

Liberal Arts and Sciences, General Studies and Humanities bachelors's programs at peer institutions in Massachusetts (45 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Massachusetts-Amherst$36,362$42,130$25,7420.71
Massachusetts Institute of Technology$103,135—$11,9350.12
Bentley University$72,333$87,110$26,0000.36
Regis College$52,559—$27,0000.51
Endicott College$45,277$44,540$15,4560.34
Worcester State University$43,996—$23,9070.54
National Median$36,340—$27,0000.74

Other Liberal Arts and Sciences, General Studies and Humanities Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Massachusetts Institute of Technology
Cambridge
$60,156$103,135$11,935
Bentley University
Waltham
$58,150$72,333$26,000
Regis College
Weston
$47,770$52,559$27,000
Endicott College
Beverly
$39,212$45,277$15,456
Worcester State University
Worcester
$11,286$43,996$23,907

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 Massachusetts-Amherst, approximately 20% 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 46 graduates with reported earnings and 38 graduates with debt data. Small samples may not be representative.