Program Analysis
Starting salaries of $25,626/yr fall 21% below the $32,297 national median for Philosophy. The financial case depends heavily on whether tuition compensates.
At 9.8x the cost of in-state tuition, the ten-year earnings outlook represents a strong return. Not exceptional, but meaningfully positive.
AI risk is moderate — 64% task exposure — and the -3% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $21,500 debt-to-$25,626 income ratio translates to about 10 months of earnings. Standard loan terms should handle this comfortably.
At #63 out of 77 programs, Binghamton University's financial outcomes for Philosophy trail the majority of peers. The value case depends on other factors.