Accounting at University of Southern Maine
Bachelor's Degree
Analysis
University of Southern Maine's accounting program hits the sweet spot among Maine options: graduates earn solidly above the state median ($57,999 after four years versus $48,330 statewide) while taking on substantially less debt than their in-state peers. At $19,230, the typical debt load is roughly $8,000 below Maine's median and among the lowest 15% nationally—a meaningful advantage that translates to lower monthly payments and faster financial flexibility after graduation.
The earnings trajectory shows steady, predictable growth of 13% over four years, and first-year graduates start near $51,000—enough to manage their modest debt burden comfortably with a debt-to-earnings ratio of just 0.37. While Husson grads earn about $6,000 more annually, USM students graduate with likely far less debt, making the value proposition competitive when you factor in total cost of attendance. The 60th percentile ranking among Maine schools reflects this program's ability to deliver solid outcomes without the premium price tag.
For Maine families, this represents straightforward value: your accountant won't be the highest-paid in the state, but they'll start their career without the financial strain that often comes with professional degrees. The combination of manageable debt and reliable mid-tier earnings makes this a sensible choice, particularly for students looking to stay in the region where these credentials are well-recognized by local employers.
Where University of Southern Maine Stands
Earnings vs. debt across all accounting bachelors's programs nationally
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 Southern Maine graduates compare to all programs nationally
University of Southern Maine graduates earn $51k, placing them in the 40th percentile of all accounting 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 Maine
Accounting bachelors's programs at peer institutions in Maine (7 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| University of Southern Maine | $51,379 | $57,999 | $19,230 | 0.37 |
| Husson University | $57,574 | $55,677 | $27,375 | 0.48 |
| University of Maine at Augusta | $48,330 | $43,008 | $29,503 | 0.61 |
| University of Maine | $48,256 | $55,998 | $27,000 | 0.56 |
| Thomas College | $47,356 | — | $27,000 | 0.57 |
| National Median | $53,694 | — | $25,000 | 0.47 |
Other Accounting Programs in Maine
Compare tuition, earnings, and debt across Maine schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Husson University Bangor | $22,194 | $57,574 | $27,375 |
| University of Maine at Augusta Augusta | $8,618 | $48,330 | $29,503 |
| University of Maine Orono | $12,606 | $48,256 | $27,000 |
| Thomas College Waterville | $30,896 | $47,356 | $27,000 |
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 Southern Maine, approximately 26% 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 36 graduates with reported earnings and 41 graduates with debt data. Small samples may not be representative.