Analysis
A debt-to-earnings ratio of 0.56 suggests manageable borrowing, but the full picture here requires looking beyond a single number. Peer chemistry programs nationally indicate first-year earnings around $42,500 and debt near $24,000—figures that align with what USM graduates might expect. However, chemistry careers often require graduate work for the highest-paying positions, meaning these bachelor's-level earnings may represent just the starting point of a longer educational journey. If your child plans to stop at the bachelor's degree and enter the workforce immediately, these numbers suggest a reasonable financial foundation. Lab technician roles, quality control positions, and similar jobs typically fall in this salary range.
The real question is whether this represents the best path among Maine's eight chemistry programs. Without reported outcomes from comparable schools in the state, it's difficult to know if USM's program delivers competitive preparation or if alternatives might position graduates more advantageously. The 79% admission rate and relatively modest test scores suggest this isn't Maine's most selective program, which sometimes—though not always—correlates with weaker employer recognition or alumni networks.
For families comfortable with uncertainty, the estimated financial outcome isn't alarming. But before committing, push the school for placement data: where do their chemistry graduates actually work, and what percentage continue to graduate programs? Those concrete details matter more than estimated averages drawn from national peers.
Where University of Southern Maine Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs Nationally
Chemistry bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,920 | $42,581* | — | $23,675* | — | |
| $63,141 | $62,511* | $88,634 | $24,500* | 0.39 | |
| $14,850 | $59,576* | $64,496 | $11,172* | 0.19 | |
| $14,766 | $55,389* | — | $23,600* | 0.43 | |
| $11,389 | $55,376* | $67,363 | $27,000* | 0.49 | |
| $16,080 | $54,055* | $67,828 | $24,893* | 0.46 | |
| National Median | — | $42,581* | — | $24,000* | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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.
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 205 similar programs. Actual outcomes may vary.