Updated March 2026 · College Scorecard data
Is Philosophy and Religious Studies Worth It?
Philosophy and Religious Studies holds a solid national average ROI Score of 68/100 across 2 reporting schools — Grade B territory, where repayment math works for most graduates at most institutions. Across the field, median debt is $27K against $52K in first-year earnings — a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan.
Philosophy and Religious Studies ROI at a Glance
holds a solid national average ROI Score of 68/100 across 2 reporting schools — Grade B territory, where repayment math works for most graduates at most institutions. The graduation-weighted average across reporting institutions is the cleanest single number for the field, but it hides the spread — top programs like Berry College run far ahead of the bottom of the table. School choice within Philosophy and Religious Studies matters because the major-level number is a starting point, not a prediction.
Earnings rise sharply from $52K in year 1 to $70K 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: Berry College leads the field with a 68/100 ROI Score (Grade B). Median debt at completion is $26K against $52K in first-year earnings — a debt-to-income ratio of 0.49x. Worst in field: Columbia International University sits at the bottom of the field with a 67/100 ROI Score (Grade B). Median debt at completion is $28K against $52K in first-year earnings — a debt-to-income ratio of 0.55x.
Debt-to-Income at the Field Level
At a debt-to-earnings ratio of 0.52x, Philosophy and Religious Studies 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
Philosophy and Religious Studies by School
| School | State | Median Debt | Year 1 Earnings | Year 5 Earnings | ROI Grade | Verdict |
|---|---|---|---|---|---|---|
| Berry College | Ga | $26K | $52K | $70K | B | BUY |
| Columbia International University | Sc | $28K | $52K | $70K | B | BUY |
How Philosophy and Religious Studies’s ROI Score Is Calculated
The Philosophy and Religious Studies 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 Philosophy and Religious Studies degree worth it?
Philosophy and Religious Studies holds a solid national average ROI Score of 68/100 across 2 reporting schools — Grade B territory, where repayment math works for most graduates at most institutions. The dominant signal is debt-to-income: at a debt-to-earnings ratio of 0.52x 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 Philosophy and Religious Studies usually matters more than the major label itself.
What is the average debt for a Philosophy and Religious Studies degree?
Median debt at completion across the 2 U.S. schools reporting Philosophy and Religious Studies data to the College Scorecard is $27K, against a national all-major average of $26K. The range across schools is wide — $26K at the top of the table to $28K at the bottom.
How much do Philosophy and Religious Studies graduates earn?
Earnings rise sharply from $52K in year 1 to $70K 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, Philosophy and Religious Studies sits below that benchmark.
Which school has the best Philosophy and Religious Studies program by ROI?
Berry College leads the field with a 68/100 ROI Score (Grade B). Median debt at completion is $26K against $52K in first-year earnings — a debt-to-income ratio of 0.49x. On the other end, Columbia International University sits at the bottom of the field with a 67/100 ROI Score (Grade B). Median debt at completion is $28K against $52K in first-year earnings — a debt-to-income ratio of 0.55x.
Where does this Philosophy and Religious Studies 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 · 2 schools reporting for this major.