Median Earnings (1yr)
$34,802
5th percentile (40th in NC)
Median Debt
$27,000
26% above national median
Debt-to-Earnings
0.78
Manageable
Sample Size
26
Limited data

Analysis

Western Carolina's math program generates concerning earnings despite reasonable debt levels. Graduates earn just $34,802 in their first year—landing in the bottom 5th percentile nationally and below the NC state median by $6,000. While the debt load of $27,000 isn't catastrophic, that 0.78 debt-to-earnings ratio means graduates carry nearly 10 months of income in student loans, substantially higher than what typical math majors face elsewhere.

The modest 9% earnings growth to $37,809 by year four suggests this program isn't positioning graduates for quantitative careers that typically pay math majors well. For context, UNC Charlotte's math graduates—at a similar public university with a comparable cost structure—earn $42,740 initially, and NC State's start at $43,585. Even the state median of $40,888 sits $6,000 above Western Carolina's fourth-year figure, suggesting students might find better value at other NC public universities.

The small sample size (under 30 graduates) is crucial here—these numbers could reflect a few graduates pursuing low-paying teaching positions or graduate school rather than industry roles. Still, parents should recognize that even at the 40th percentile statewide, this program trails most North Carolina alternatives. If your student plans to teach, these earnings might align with expectations. Otherwise, NC State or UNC Charlotte offer clearer paths to careers where a math degree typically pays off.

Where Western Carolina University Stands

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

Western Carolina UniversityOther mathematics programs

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 Western Carolina University graduates compare to all programs nationally

Western Carolina University graduates earn $35k, placing them in the 5th percentile of all mathematics 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 North Carolina

Mathematics bachelors's programs at peer institutions in North Carolina (44 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Western Carolina University$34,802$37,809$27,0000.78
Duke University$121,088$99,927$13,0000.11
University of North Carolina at Chapel Hill$53,402$87,301$14,5000.27
North Carolina State University at Raleigh$43,585—$21,2560.49
University of North Carolina at Charlotte$42,740$57,150$25,0000.58
East Carolina University$40,888$50,943$21,5000.53
National Median$48,772—$21,5000.44

Other Mathematics Programs in North Carolina

Compare tuition, earnings, and debt across North Carolina schools

SchoolIn-State TuitionEarnings (1yr)Debt
Duke University
Durham
$65,805$121,088$13,000
University of North Carolina at Chapel Hill
Chapel Hill
$8,989$53,402$14,500
North Carolina State University at Raleigh
Raleigh
$8,895$43,585$21,256
University of North Carolina at Charlotte
Charlotte
$7,214$42,740$25,000
East Carolina University
Greenville
$7,361$40,888$21,500

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 Western Carolina University, approximately 33% 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 26 graduates with reported earnings and 30 graduates with debt data. Small samples may not be representative.