Analysis
A debt load near $24,000 for a teaching career starting around $39,000 represents a manageable if modest financial picture. Based on comparable education programs nationally, this debt-to-earnings ratio of 0.63 falls well within the "reasonable burden" range—teachers can typically handle this level of debt on an entry-level salary, though it won't leave much room for luxuries in those first few years.
New Hampshire's higher cost of living does complicate the math somewhat. While the state's relatively strong education job market may offer more opportunities than in some regions, starting teacher salaries in New Hampshire don't always stretch as far as similar paychecks would elsewhere. The estimated figures here align closely with both state and national medians for education programs, suggesting UNH's program tracks with typical outcomes rather than standing out as either an exceptional value or a concern.
The practical reality: your child would be entering a stable profession with predictable, if limited, income growth. Teachers rarely get wealthy, but peer programs suggest this debt level shouldn't become crushing. The bigger question is whether they're genuinely committed to education—burnout rates are high, and switching careers later with this degree can be challenging. If teaching is the calling, the numbers work. If there's any doubt about the career path, that uncertainty matters more than the estimated debt figure.
Where University of New Hampshire-Main Campus Stands
Earnings vs. debt across all education bachelors's programs nationally
Compare to Similar Programs Nationally
Education bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $19,112 | $38,660* | — | $24,333* | — | |
| $8,886 | $68,730* | — | $26,556* | 0.39 | |
| $12,186 | $60,288* | — | —* | — | |
| $11,728 | $57,410* | — | $13,250* | 0.23 | |
| $19,568 | $56,397* | $40,429 | —* | — | |
| $44,850 | $55,579* | $54,660 | $27,000* | 0.49 | |
| National Median | — | $38,660* | — | $26,522* | 0.69 |
Career Paths
Occupations commonly associated with education graduates
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 New Hampshire-Main Campus, approximately 18% 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 66 similar programs. Actual outcomes may vary.