Location: Humacao, PR•In-State Tuition: $5,364•Admission Rate: 58%
Est. Earnings (1yr)
$60,930
Est. from national median (44 programs)
Est. Median Debt
$21,000
Est. from national median (31 programs)

Analysis

A debt-to-earnings ratio of 0.34—based on national benchmarks for applied mathematics bachelor's programs—suggests manageable repayment even if actual outcomes vary from these estimates. With nearly four in five students receiving Pell grants, UPR-Humacao serves a population where keeping debt around $21,000 represents genuine financial discipline. Similar programs nationally produce first-year earnings around $60,930, which would allow typical loan payments to stay well under 10% of take-home pay.

The challenge is uncertainty. Applied mathematics programs span everything from actuarial preparation to data science pipelines, and career outcomes depend heavily on how well a specific curriculum aligns with employer needs. UPR-Humacao's location adds another variable—while Puerto Rico has growing tech and finance sectors, mainland opportunities might require relocation, and it's unclear whether this program's graduates typically stay local or migrate.

If your child thrives in quantitative thinking and the $21,000 debt estimate holds true, the financial framework looks reasonable. But press the department for concrete placement data: where do recent graduates actually work, and what do they earn in their first jobs? With only estimates available, those specifics become essential for gauging whether this particular program delivers the outcomes that comparable programs suggest are possible.

Where University of Puerto Rico-Humacao Stands

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

University of Puerto Rico-Humacao (estimated ±10%)Other applied mathematics programs

Dashed lines show national medians. Upper-left = best value.

Compare to Similar Programs Nationally

Applied Mathematics bachelors's programs at top institutions nationally

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SchoolIn-State TuitionEarnings (1yr)*Earnings (4yr)Median Debt*Debt/Earnings
University of Puerto Rico-HumacaoHumacao$5,364$60,930*—$21,000*—
Harvard UniversityCambridge$59,076$114,279*$166,324—*—
Brown UniversityProvidence$68,230$99,193*$125,979$10,000*0.10
Stevens Institute of TechnologyHoboken$60,952$97,700*—$25,841*0.26
Northwestern UniversityEvanston$65,997$94,684*——*—
Columbia University in the City of New YorkNew York$69,045$91,559*——*—
National Median—$60,930*—$21,393*0.35
* Estimated from similar programs

Career Paths

Occupations commonly associated with applied mathematics graduates

Natural Sciences Managers

Plan, direct, or coordinate activities in such fields as life sciences, physical sciences, mathematics, statistics, and research and development in these fields.

$161,180/yrJobs growth:Bachelor's degree

Clinical Research Coordinators

Plan, direct, or coordinate clinical research projects. Direct the activities of workers engaged in clinical research projects to ensure compliance with protocols and overall clinical objectives. May evaluate and analyze clinical data.

$161,180/yrJobs growth:Bachelor's degree

Water Resource Specialists

Design or implement programs and strategies related to water resource issues such as supply, quality, and regulatory compliance issues.

$161,180/yrJobs growth:Bachelor's degree

Actuaries

Analyze statistical data, such as mortality, accident, sickness, disability, and retirement rates and construct probability tables to forecast risk and liability for payment of future benefits. May ascertain insurance rates required and cash reserves necessary to ensure payment of future benefits.

$125,770/yrJobs growth:Bachelor's degree

Economists

Conduct research, prepare reports, or formulate plans to address economic problems related to the production and distribution of goods and services or monetary and fiscal policy. May collect and process economic and statistical data using sampling techniques and econometric methods.

$115,440/yrJobs growth:Master's degree

Environmental Economists

Conduct economic analysis related to environmental protection and use of the natural environment, such as water, air, land, and renewable energy resources. Evaluate and quantify benefits, costs, incentives, and impacts of alternative options using economic principles and statistical techniques.

$115,440/yrJobs growth:Master's degree

Data Scientists

Develop and implement a set of techniques or analytics applications to transform raw data into meaningful information using data-oriented programming languages and visualization software. Apply data mining, data modeling, natural language processing, and machine learning to extract and analyze information from large structured and unstructured datasets. Visualize, interpret, and report data findings. May create dynamic data reports.

$112,590/yrJobs growth:Bachelor's degree

Business Intelligence Analysts

Produce financial and market intelligence by querying data repositories and generating periodic reports. Devise methods for identifying data patterns and trends in available information sources.

$112,590/yrJobs growth:Bachelor's degree

Clinical Data Managers

Apply knowledge of health care and database management to analyze clinical data, and to identify and report trends.

$112,590/yrJobs growth:Bachelor's degree

Mathematicians

Conduct research in fundamental mathematics or in application of mathematical techniques to science, management, and other fields. Solve problems in various fields using mathematical methods.

$104,350/yrJobs growth:Master's degree

Statisticians

Develop or apply mathematical or statistical theory and methods to collect, organize, interpret, and summarize numerical data to provide usable information. May specialize in fields such as biostatistics, agricultural statistics, business statistics, or economic statistics. Includes mathematical and survey statisticians.

$104,350/yrJobs growth:Master's degree

Biostatisticians

Develop and apply biostatistical theory and methods to the study of life sciences.

$104,350/yrJobs growth:Master's degree
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 Puerto Rico-Humacao, approximately 79% 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 44 similar programs. Actual outcomes may vary.