Median Earnings (1yr)
$42,682
24th percentile (10th in MA)
Median Debt
$23,250
8% above national median
Debt-to-Earnings
0.54
Manageable
Sample Size
70
Adequate data

Analysis

UMass Amherst's Mathematics program starts graduates at just $42,682—substantially below both the national median ($48,772) and particularly troubling when compared to other Massachusetts schools, where it ranks in the bottom 10th percentile. For context, the state median is $61,761, meaning graduates here earn about $19,000 less than the typical Massachusetts math major. Even accessible programs like UMass Boston and Salem State produce higher-earning math graduates in this state.

The silver lining is significant earnings growth: by year four, salaries jump to $72,247, a 69% increase that narrows the gap considerably. The debt load of $23,250 is manageable relative to first-year earnings, though it's above the state median. This suggests the program may place graduates in positions with strong advancement potential rather than immediate high pay—think teaching, actuarial trainee roles, or corporate analyst positions that reward experience.

For a family paying in-state tuition, this could still work out financially over time. But if you're considering out-of-state costs or comparing to other Massachusetts options, understand that you're betting on that mid-career trajectory to compensate for a weak start. The concerning state ranking means employers in Massachusetts—where tech and finance demand for quantitative skills is high—aren't initially valuing this degree as highly as alternatives.

Where University of Massachusetts-Amherst Stands

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

University of Massachusetts-AmherstOther mathematics 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 $43k, placing them in the 24th percentile of all mathematics 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

Mathematics bachelors's programs at peer institutions in Massachusetts (44 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Massachusetts-Amherst$42,682$72,247$23,2500.54
Tufts University$110,512—$17,7500.16
Massachusetts Institute of Technology$109,288$180,882$10,0030.09
Amherst College$78,500$109,199$14,7450.19
Northeastern University$76,392$90,232$21,7500.28
Bentley University$74,737—$19,3340.26
National Median$48,772—$21,5000.44

Other Mathematics Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Tufts University
Medford
$67,844$110,512$17,750
Massachusetts Institute of Technology
Cambridge
$60,156$109,288$10,003
Amherst College
Amherst
$67,280$78,500$14,745
Northeastern University
Boston
$63,141$76,392$21,750
Bentley University
Waltham
$58,150$74,737$19,334

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 70 graduates with reported earnings and 70 graduates with debt data. Small samples may not be representative.