Computer and Information Sciences at University of Massachusetts-Boston

A certificate in computer science at UMass Boston creates an unusual equation: based on peer programs nationally, graduates likely face first-year earnings around $38,900 against roughly $12,400 in debt. That 0.32 debt-to-earnings ratio suggests the credential pays for itself within four months of work—a swift return for what's essentially a skills-focused program rather than a full degree.

The challenge is that $38,900 represents entry-level tech support or junior developer territory, not the $70,000+ salaries often associated with Boston's tech sector. Similar certificate programs across the country typically serve as either career switchers' entry points or supplements to existing degrees. At a school where 43% of students receive Pell grants, this program may be targeting students who need rapid workforce entry rather than those pursuing traditional four-year paths. The low debt burden makes this less risky than a bachelor's degree, but also caps the ceiling—certificates rarely command the same long-term earnings as full degrees.

For parents, the key question is trajectory: if your student plans to stack credentials or gain experience before pursuing further education, this looks manageable. If they're hoping a certificate alone will land them a competitive role in Boston's expensive market, the estimated earnings suggest they'll be starting at the bottom of the ladder with roommates and a tight budget.