Analysis
A mathematics degree from University of Southern Maine faces a striking disadvantage in Maine's market. While Bowdoin College math graduates earn $90,213 in their first year, comparable programs nationally suggest USM students might start around $48,772βnearly half the state benchmark. This isn't a minor gap; it's the difference between a comfortable start and scrambling to make ends meet in one of New England's pricier housing markets.
The estimated $21,500 in debt translates to a debt-to-earnings ratio of 0.44, which is manageable by national standards for bachelor's degrees. Math majors typically have solid job prospects, and starting salaries often climb quickly as graduates gain experience. But the steep earnings gap within Maine raises questions about whether USM's program connects students to the same employment opportunities as competitors. Are graduates landing quantitative analyst roles, teaching positions, or something else entirely? The answer matters enormously for return on investment.
For families weighing this choice, the key issue isn't the debt loadβit's understanding why the earnings estimate sits so far below the state median. If your child is Maine-focused and ambitious about career outcomes, you'll want concrete answers about placement rates and employer relationships before committing. The fundamentals of a math degree are strong, but something about USM's position in the state market warrants serious investigation.
Where University of Southern Maine Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Compare to Similar Programs in Maine
Mathematics bachelors's programs at peer institutions in Maine (9 total in state)
Scroll to see more β
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,920 | $48,772* | β | $21,498* | β | |
| $64,910 | $90,213* | β | β* | β | |
| National Median | β | $48,772* | β | $21,500* | 0.44 |
Career Paths
Occupations commonly associated with mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
Mathematical Science Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
Mathematical Science Occupations, All Other
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 253 similar programs. Actual outcomes may vary.