Analysis
Is borrowing $25,000 for a mathematics degree sustainable when first-year earnings hover around $48,000? Based on comparable bachelor's programs in Michigan, Western Michigan's mathematics graduates appear positioned near the state's middle tier—similar to Michigan State but well below Michigan's flagship campus. The debt-to-earnings ratio of 0.52 suggests that a typical graduate would dedicate roughly half their first-year salary to paying down loans, which falls within manageable territory if those early earnings translate to steady growth.
The challenge with mathematics degrees is that outcomes depend heavily on career path. Similar programs in Michigan produce graduates entering teaching (lower starting pay but stable employment) alongside those moving into actuarial work, data analysis, or software development (higher earnings potential). Western Michigan's 85% admission rate and solid regional reputation suggest this program serves students well, though it's not competing for the same applicant pool as Ann Arbor. The estimated $25,000 debt burden aligns with what other Michigan public universities report for this major.
For families evaluating this investment, the key question is career direction. If your child has a clear plan for their math degree—whether that's teaching certification, graduate school preparation, or moving into tech roles—the debt load appears reasonable. Without that direction, you're looking at estimated middling outcomes with real debt obligations, making it worth having explicit conversations about post-graduation plans before committing.
Where Western Michigan University Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Compare to Similar Programs in Michigan
Mathematics bachelors's programs at peer institutions in Michigan (31 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $15,298 | $47,951* | — | $25,125* | — | |
| $17,228 | $80,676* | $97,139 | $21,589* | 0.27 | |
| $15,988 | $47,951* | $54,324 | $21,500* | 0.45 | |
| $14,628 | $45,349* | $46,279 | $27,000* | 0.60 | |
| National Median | — | $48,772* | — | $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 Western Michigan University, approximately 25% 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 median of 3 similar programs in MI. Actual outcomes may vary.