Updated March 2026 · College Scorecard data
Is Education Worth It?
Education lands in the middle with a national average ROI Score of 62/100 across 29 reporting schools — a Grade C profile where outcomes vary sharply by institution, and school choice matters more than usual. Across the field, median debt is $26K against $45K in first-year earnings — a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan.
Education ROI at a Glance
lands in the middle with a national average ROI Score of 62/100 across 29 reporting schools — a Grade C profile where outcomes vary sharply by institution, and school choice matters more than usual. The graduation-weighted average across reporting institutions is the cleanest single number for the field, but it hides the spread — top programs like Central State University run far ahead of the bottom of the table. School choice within Education matters because the major-level number is a starting point, not a prediction.
Earnings rise sharply from $45K in year 1 to $60K by year 5 — 34% growth in four years. That is a strong promotion curve, common in technology, engineering, and finance tracks where early-career skill compounding pays off fast. The five-year earnings trajectory is one of the strongest signals of long-run career fit; a flat curve suggests the major leads to roles where seniority does not pay off without graduate credentials, while a steep curve indicates fast skill compounding inside the field.
Best in field: Central State University leads the field with a 67/100 ROI Score (Grade B). Median debt at completion is $10K against $45K in first-year earnings — a debt-to-income ratio of 0.23x. Worst in field: College of Our Lady of the Elms sits at the bottom of the field with a 51/100 ROI Score (Grade C). Median debt at completion is $42K against $45K in first-year earnings — a debt-to-income ratio of 0.93x.
Debt-to-Income at the Field Level
At a debt-to-earnings ratio of 0.58x, Education shows a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan. Federal financial-aid research uses the “8% rule” — monthly student loan payments under 8% of gross monthly income — which translates to debt below roughly 0.75x annual earnings on a standard 10-year plan. Programs running above 1.0x typically need income-driven repayment to stay current; above 1.5x, the math rarely works without forgiveness mechanics or an unusually steep career ramp. For borrower-rights and repayment guidance, the Consumer Financial Protection Bureau is the most accessible federal source.
Debt vs Earnings by School
Education by School
How Education’s ROI Score Is Calculated
The Education ROI Score is a weighted composite of five financial-aid signals: debt-to-income (35%), earnings premium over a high-school diploma (25%), 10-year BLS job-growth outlook (20%), graduation rate (10%), and debt vs. the national average (10%). Each school + major combination is scored individually, then aggregated up to the field level. The grade thresholds (A ≥ 80, B ≥ 65, C ≥ 50, D ≥ 35, F < 35) are calibrated so a typical break-even degree lands in the C range. Read the full methodology.
Frequently Asked Questions
Is a Education degree worth it?
Education lands in the middle with a national average ROI Score of 62/100 across 29 reporting schools — a Grade C profile where outcomes vary sharply by institution, and school choice matters more than usual. The dominant signal is debt-to-income: at a debt-to-earnings ratio of 0.58x on average, the field shows a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan. Outcomes vary sharply by institution, so the school you choose within Education usually matters more than the major label itself.
What is the average debt for a Education degree?
Median debt at completion across the 29 U.S. schools reporting Education data to the College Scorecard is $26K, against a national all-major average of $26K. The range across schools is wide — $10K at the top of the table to $42K at the bottom.
How much do Education graduates earn?
Earnings rise sharply from $45K in year 1 to $60K by year 5 — 34% growth in four years. That is a strong promotion curve, common in technology, engineering, and finance tracks where early-career skill compounding pays off fast. National average first-year earnings across all 30,224 school + major combinations on the site is $58K — for context, Education sits below that benchmark.
Which school has the best Education program by ROI?
Central State University leads the field with a 67/100 ROI Score (Grade B). Median debt at completion is $10K against $45K in first-year earnings — a debt-to-income ratio of 0.23x. On the other end, College of Our Lady of the Elms sits at the bottom of the field with a 51/100 ROI Score (Grade C). Median debt at completion is $42K against $45K in first-year earnings — a debt-to-income ratio of 0.93x.
Where does this Education data come from?
Every figure on this page comes from federal public datasets — the U.S. Department of Education College Scorecard (collegescorecard.ed.gov) for debt and earnings, IPEDS (nces.ed.gov/ipeds) for graduation rates, and BLS Employment Projections for the job-growth outlook component of the ROI Score. Borrower-rights guidance: the Consumer Financial Protection Bureau (consumerfinance.gov). The dataset was last refreshed March 2026.
Sources: U.S. Department of Education College Scorecard and IPEDS, Bureau of Labor Statistics Employment Projections, Consumer Financial Protection Bureau. All federal datasets are public domain.
Last updated 2026-03-15 · 29 schools reporting for this major.