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EDsmart: College Scorecard Analysis Finds 4x Pay Spread Among Bachelor’s Fields in ROI Divide Report
The report says completion and major family drive earnings gaps, with 40.4 million adults having some college and no credential.
EDsmart released The ROI Divide today, a report analyzing Education College Scorecard data to evaluate Higher Education returns across Degree Fields and career readiness for Students and families.
College Scorecard data reveal a roughly 4× Pay Spread Among Bachelor's Fields, while about 40.4 million United States adults have attended college without earning a credential, underscoring that completion matters more than enrollment alone.
Typical earnings 10 years after entry reach $78,207 at institutions with 80% or higher completion rates, compared with $44,130 where completion falls below 40%. Program-level medians serve as benchmarks, not individual guarantees.
Fine Arts program medians carry about 1.6× median Debt-to-earnings relative to one year of typical pay, roughly four times the 0.4× ratio for Computer Science families. Debt-to-earnings vary sharply by field family.
The report combines Education College Scorecard, Labor Statistics, and earnings data to explain why pathways generate varying returns. EDsmart provides independent, data-driven college rankings and resources to help Students navigate Higher Education options.