One of the cleanest ROI profiles in the catalog — at the bachelor's level and up
Computer science is the outlier field in this dataset. Bachelor's graduates earn $73,652 in year 1 per College Scorecard, producing a 0.266 debt-to-income ratio against the $19,559 institution-level median debt — inside the healthy threshold without needing a credential upgrade. Census PSEO puts the 10-year median at $114,482, with the 75th percentile clearing $153,224. BLS projects +14.5% weighted employment growth for 2024–2034 — more than three times the +4.0% all-occupations baseline — with ~285k annual openings, led by software developers (+15.8%), data scientists (+33.5%), and information security analysts (+28.5%). The honest caveats: the associate's path flips the debt ratio to 0.468 and lands graduates in the one shrinking occupation (computer programmers, -6.0%); the field is 75.6% men, which is a cultural reality worth naming; and a CS degree alone doesn't guarantee elite-employer placement — the ROI math assumes you can build things.
- ROI A
- Employment A
- Debt burden A−
- Projected demand A
Computer science is one of the few fields where the headline numbers actually hold up under scrutiny. The bachelor's path produces year-1 earnings of $73,652 per College Scorecard — above nearly every other major at the same credential level — and Census PSEO puts the 10-year median at $114,482, with the 75th percentile clearing $153,224. The debt picture is equally clean: the $19,559 institution-level median debt produces a bachelor's debt-to-income ratio of 0.266, comfortably inside the 0.40 healthy threshold without needing a graduate upgrade.
The labor-market backdrop is unusually strong. BLS 2024–2034 projections show +14.5% weighted employment growth across CS-linked occupations — more than three times the +4.0% all-occupations baseline — with roughly 285,000 annual openings led by software developers (+15.8%, 1.69M employed), data scientists (+33.5%), and information security analysts (+28.5%). Only one destination in the crosswalk is contracting: computer programmers at -6.0%. The rest range from modest to blistering growth.
The honest caveats live mostly at the margins. The associate's path flips the debt-to-income ratio to an unhealthy 0.468. The 2023–2024 tech hiring pullback raised the bar for new-graduate placement — a CS degree no longer automatically means an elite offer. And the field is 75.6% men, which is a cultural reality worth naming. The rest of this page breaks down earnings and debt by credential, where the jobs actually are, and which paths carry real risk.
- ✓ Census PSEO shows median earnings of $114,482 at year 10, with the 75th percentile reaching $153,224.
- ✓ Weighted employment growth is +14.5% for 2024–2034 — more than three times the +4.0% all-occupations baseline.
- ✓ Bachelor's debt-to-income ratio is 0.266 — debt $19,559 vs. $73,652 year-1 earnings — comfortably inside the 0.40 healthy threshold.
- ✓ Data scientists (+33.5%, $112,590) and information security analysts (+28.5%, $124,910) are the two fastest-growing large-employment destinations.
- ✓ Three-year loan default rate across 1,091 CS-producing institutions is 0.003% — effectively zero repayment distress.
- ! Associate's debt-to-income ratio is 0.468 against $41,792 year-1 earnings — the only credential tier outside the 0.40 healthy threshold.
- ! Computer programmers (SOC 15-1251) are projected to shrink -6.0% through 2034 — the one visibly contracting destination in the crosswalk.
- ! College Scorecard field-level debt is null across all credential tiers; the $19,559 figure is an institution-level fallback.
Where computer science graduates actually land
Census Post-Secondary Employment Outcomes (PSEO)
Earnings by credential level
College Scorecard field-level earnings (years 1–4 post-grad, aggregated across institutions)
What it costs, what you earn, what's left over
College Scorecard does not publish field-level debt for computer science at any credential tier — the fieldLevelSparse flag is true across all eight credential categories. The $19,559 figure used throughout this analysis is the institution-level median across the 1,091 schools that produce CS credentials. That's a blunt instrument: it doesn't separate a two-year community-college associate's from a master's at a private university, and it almost certainly understates borrowing at the graduate tiers. Anyone pricing a specific program should check net price data directly — the dataset's average mid-income net price is $15,485, but individual schools vary dramatically.
Applying that single debt figure across tiers, the picture is healthy everywhere except the associate's path. Associate's graduates earn $41,792 in year 1 — producing a debt-to-income ratio of 0.468, the only unhealthy ratio in the CS data. Bachelor's graduates earn $73,652 and land at 0.266, comfortably inside the threshold. The master's tier is the cleanest at 0.172 against $113,409 in year-1 earnings, and the doctoral tier is nearly identical at 0.171 ($114,369 year-1). The caveat at the master's and doctoral tiers is real — the $19,559 fallback almost certainly understates graduate borrowing — but even doubling the debt assumption still leaves both tiers inside the healthy threshold.
The three-year loan default rate across CS-producing institutions is 0.003% — effectively zero, and roughly two orders of magnitude below the national average for four-year institutions. That's consistent with the earnings data: CS graduates carry modest debt into a strong earnings market, and repayment distress is a non-issue at every credential tier above the associate's.
The credential paths that actually produce graduates
Scorecard field-level earnings + completions_by_program (most recent year) aggregated by credential tier
Associate's in Computer Science
A two-year program covering introductory programming, data structures, computer systems, and applied development — typically a transfer credential or a route to support-specialist and help-desk roles. Year-1 median earnings are $41,792, rising to $63,917 by year four per College Scorecard.
- Completions / yr 5,645
- Year-1 earnings $41,792
- Year-4 earnings $63,917
- Median debt $11,012
- % women 20.8%
- Schools 300
Best for students planning to bridge into a bachelor's program, or targeting network-support and IT-specialist roles where an associate's is accepted.
Bachelor's in Computer Science (BS)
The standard four-year path covering algorithms, operating systems, databases, networking, software engineering, and typically a capstone project. Produces 44,627 graduates per year — by far the dominant credential. Year-1 median earnings are $73,652, rising to $105,889 by year four per College Scorecard.
- Completions / yr 44,627
- Year-1 earnings $73,652
- Year-4 earnings $105,889
- Median debt $21,631
- % women 21.3%
- Schools 768
The right choice for students targeting software engineering, data, security, or infrastructure roles — the credential every listed destination is built around.
Master's in Computer Science (MS)
A one-to-two-year graduate program specializing in machine learning, systems, theory, or applied domains like HCI or computational biology. Year-1 median earnings jump to $113,409, reaching $160,814 by year four per College Scorecard — the cleanest debt-to-income profile in the field at 0.172.
- Completions / yr 25,543
- Year-1 earnings $113,409
- Year-4 earnings $160,814
- Median debt $34,986
- % women 30.7%
- Schools 302
Practical for students targeting specialized research roles, FAANG-tier engineering, or a career pivot from an adjacent undergraduate field.
Doctoral (PhD) in Computer Science
A five-to-six-year research degree producing independent computer scientists for academia and industry R&D. Year-1 median earnings are $114,369, rising to $165,750 by year four per College Scorecard — a small premium over the master's driven by industry research labs rather than academic pay scales.
- Completions / yr 1,628
- Year-1 earnings $114,369
- Year-4 earnings $165,750
- Median debt $71,834
- % women 22.8%
- Schools 128
For students who want to run an independent research program — either in academia or at industrial labs — and are willing to accept the long training window and low doctoral-stipend years.
Professional
- Completions / yr 41
- Year-1 earnings —
- Year-4 earnings —
- Median debt $19,559
- % women 12.2%
- Schools 2
The bachelor's is the smart default; the master's pays off cleanly and rapidly. The associate's alone is the only weak spot in the dataset — treat it as a transfer stop, not a destination.
Computer science produces credentials at serious scale — 78,278 completions in 2024 across all tiers, up from 71,027 in 2023 — but the distribution is bachelor's-dominated. Bachelor's degrees account for 44,627 completions (57%), followed by master's at 25,543 (nearly a third of the total) and associate's at 5,645. Doctoral completions come in at 1,628, and certificates plus professional credentials add another ~835 combined. Nearly 90% of CS graduates hold a bachelor's or master's — and the earnings data at both tiers is the strongest in the dataset.
The earnings gap between the associate's and bachelor's is dramatic. Associate graduates earn $41,792 at year 1 and $63,917 by year four. Bachelor's graduates start at $73,652 and reach $105,889 — a $41,972 gap at the four-year mark. That's one of the widest associate-to-bachelor spreads in any major, and it reflects a real labor-market fact: software engineering roles overwhelmingly require a four-year degree, while associate's-acceptable destinations (network support, help desk) cluster in lower-wage brackets. The master's tier delivers another meaningful jump: year-1 earnings hit $113,409 (a $39,757 premium over the bachelor's) and $160,814 by year four. The doctoral tier adds only a modest increment — $114,369 year 1, $165,750 year four — suggesting industry research labs and elite engineering roles, rather than tenure-track academia, absorb most CS PhDs.
One demographic reality worth stating plainly: computer science is 75.6% men overall, with the share peaking at the associate's level (79.2% men) and moderating to 69.3% men at the master's tier. That's one of the more male-dominated fields in the catalog — less skewed than mechanical engineering but more than most natural sciences. The completion trend is strongly positive — 78,278 in 2024 up from 71,027 in 2023, a 10.2% jump — suggesting sustained student demand despite the hiring cool-down. Field-level debt data is missing across every tier, so all debt figures here rely on the $19,559 institution-level fallback.
Who completes these degrees
IPEDS completions_by_program, most recent year, first-major only
- 2023 71,027
- 2024 78,278
Where graduates land professionally
BLS 2024–2034 Employment Projections via CIP-to-SOC crosswalk
| SOC | Occupation | Employed '24 | Growth | Openings/yr | Median wage | Entry |
|---|---|---|---|---|---|---|
| 15-1252 | Software developers | 1.7M | +15.8% | 115k | $133,080 | Bachelor's degree |
| 11-3021 | Computer and information systems managers | 667k | +15.2% | 56k | $171,200 | Bachelor's degree |
| 15-1299 | Computer occupations, all other | 472k | +8.2% | 31k | $108,970 | Bachelor's degree |
| 15-2051 | Data scientists | 246k | +33.5% | 23k | $112,590 | Bachelor's degree |
| 15-1253 | Software quality assurance analysts and testers | 202k | +10.0% | 14k | $102,610 | Bachelor's degree |
| 15-1212 | Information security analysts | 183k | +28.5% | 16k | $124,910 | Bachelor's degree |
| 15-1231 | Computer network support specialists | 153k | +1.8% | 9.6k | $73,340 | Associate's degree |
| 15-1255 | Web and digital interface designers | 129k | +7.0% | 9.1k | $98,090 | Bachelor's degree |
| 15-1251 | Computer programmers | 121k | -6.0% | 5.5k | $98,670 | Bachelor's degree |
| 15-1254 | Web developers | 86k | +7.5% | 5.4k | $90,930 | Bachelor's degree |
The destination map for computer science graduates is anchored by one enormous occupation. Software developers (SOC 15-1252) employ 1.69 million workers — by far the largest CS-linked destination — with a median wage of $133,080 and BLS 2024–2034 projected growth of +15.8%. That single occupation generates ~115k annual openings, roughly 40% of the field's total. The typical education requirement is a bachelor's, which aligns cleanly with the dominant CS credential. The second-largest destination is computer and information systems managers (SOC 11-3021) at 667k employed, with the highest median wage in the crosswalk at $171,200 and +15.2% growth. Manager roles are mid-career destinations rather than entry points, but they're reachable for CS bachelor's graduates with 8–12 years of experience.
The fast-growth destinations tell a specialization story. Data scientists (SOC 15-2051) lead growth at +33.5% with a $112,590 median wage and 23,400 annual openings. Information security analysts (SOC 15-1212) come next at +28.5% and $124,910 median — both bachelor's-level entry points with substantial salary premiums over generalist software roles. Software QA analysts (+10.0%, $102,610) and computer occupations, all other (+8.2%, $108,970) round out the mid-growth tier. These four specialization paths are where the field's growth is concentrated; students focused on ML, security, or data infrastructure skills are targeting the steepest upward curves in the dataset.
The occupations to avoid planning around are smaller but real. Computer programmers (SOC 15-1251) are projected to shrink -6.0% through 2034 — the only visibly contracting destination — with 121k employed at $98,670 median. The role's decline reflects the market's consolidation of 'programmer' tasks into broader software-developer roles rather than a genuine loss of software jobs. Computer network support specialists (SOC 15-1231) grow only +1.8% at $73,340 median — well below the all-occupations baseline — and it's the one destination where an associate's degree is the typical entry credential. Web developers (+7.5%, $90,930) and web/digital interface designers (+7.0%, $98,090) sit in between — positive but modest. The pattern: general-purpose web and programmer roles face either stagnation or contraction; specialized ML, security, and systems roles capture almost all the growth.
Where demand is growing
State workforce agencies publish their own 10-year projections for software developers — growth varies sharply by state, and where you plan to live changes the calculus.
| Idaho | +50.0% | 0 openings/yr |
| Utah | +47.7% | 2,290 openings/yr |
| Texas | +46.7% | 12,350 openings/yr |
| Tennessee | +43.0% | 1,780 openings/yr |
| Mississippi | +42.9% | 300 openings/yr |
| Colorado | +39.4% | 4,460 openings/yr |
| South Carolina | +39.1% | 1,180 openings/yr |
| Wyoming | +38.8% | 70 openings/yr |
| California | 26,000/yr | +23.7% growth |
| Texas | 12,350/yr | +46.7% growth |
| Florida | 7,330/yr | +34.8% growth |
| Virginia | 6,920/yr | +21.4% growth |
| North Carolina | 5,360/yr | +32.3% growth |
Where software developers need a license
1 states and territories license software developers. The degree alone isn't the finish line — plan for the credential your state requires before you can practice.
Schools producing the most graduates
Volume, not quality — completion counts across all credentials. See our rankings pages for outcome-weighted school scores.
- 1,561
- 1,555
- 1,533
- 1,222
- 1,130
- 1,099
- 1,096
- 1,081
- 1,074
- 1,065
Pursue computer science at the bachelor's level — full stop. The earnings data makes the case cleanly: bachelor's graduates hit $73,652 at year one and $105,889 by year four per College Scorecard, with a debt-to-income ratio of 0.266 against the $19,559 institution-level median debt. The 10-year PSEO median of $114,482 sits at the top of the major catalog, and BLS-projected +14.5% weighted employment growth runs more than three times the +4.0% all-occupations baseline. If a state-school BS in CS is financially accessible, the case against it is almost entirely non-financial — workload, cultural fit, or a stronger pull toward a different subject. On the pure numbers, there is no better-defended undergraduate path in this dataset.
The master's is worth pursuing if it's funded, cheap, or employer-sponsored. Year-1 earnings jump to $113,409 and the debt-to-income ratio falls to 0.172 — the cleanest in the field. A fully-paid graduate program (TA, RA, employer tuition reimbursement, or a low-cost public master's) is a clear yes. A $60k+ private master's taken out-of-pocket on top of a bachelor's that already earns $73k is a much weaker case — the earnings premium goes to loan servicing for years. The doctoral path is a specialized bet on research or elite-lab work; the earnings delta over a master's is small, and the five-to-six-year opportunity cost is the dominant variable.
The recommendation flips for two cases. First: anyone stopping at the associate's level as a terminal credential. The 0.468 debt-to-income ratio is the only unhealthy ratio in the CS data, year-1 earnings of $41,792 lag the bachelor's by $31,860, and the one associate's-acceptable destination (network support specialist) grows just +1.8% through 2034. The associate's is a legitimate transfer stop but a weak terminal credential. Second: anyone targeting 'computer programmer' as a job title. That specific occupation is projected to shrink -6.0% — the only contracting destination in the CS crosswalk — as programming tasks consolidate into broader software-engineering roles. Plan toward software developer, data scientist, security analyst, or systems manager, not toward 'programmer' as a job label.
Informed inquiries
Is a computer science bachelor's still worth it given the 2024–2025 tech layoffs?
The hiring market cooled sharply in 2023–2024, but the 10-year data doesn't flinch. BLS 2024–2034 projections still show +15.8% growth for software developers and +33.5% for data scientists, with ~285k annual openings across CS-linked occupations. Bachelor's graduates earn $73,652 in year 1 per College Scorecard — above nearly every other major at the same credential tier — and the 10-year PSEO median climbs to $114,482. What has changed is that a CS degree no longer guarantees an elite-employer offer out of school. Graduates without internships, portfolio projects, or specialized skill tracks (ML, security, systems) are facing longer job searches. The degree still pays off financially; the bar for standing out has moved up.
Is an associate's degree in computer science enough to get a software job?
Usually not for software-engineer roles. Associate's graduates earn $41,792 in year 1 per College Scorecard — roughly 43% below the bachelor's $73,652 starting point — and the debt-to-income ratio at this tier is 0.468, the only unhealthy ratio in the CS data. The one associate's-required destination in the BLS crosswalk is computer network support specialist ($73,340 median), and that occupation is projected to grow only +1.8% through 2034 — essentially flat. The realistic associate's paths are help-desk, IT support, and QA/testing roles, or use the credential as a transfer on-ramp to a four-year program. For anyone targeting software development specifically, the bachelor's is the practical floor.
Is a master's in CS worth it if I can already get a software job with a bachelor's?
The numbers say yes, if the master's is funded or cheap. Year-1 earnings jump from $73,652 at the bachelor's level to $113,409 at the master's — a $39,757 immediate premium — and by year four the master's median reaches $160,814 versus $105,889 for bachelor's graduates. The debt-to-income ratio at the master's tier is 0.172, the healthiest in the dataset. The catch is that College Scorecard's debt figure is an institution-level fallback across 1,091 schools, which almost certainly understates graduate-level borrowing. A fully-paid master's (employer-sponsored, TA-funded, or a cheap public program) is an obvious yes. A $60k private master's after a bachelor's already earning $73k is a much harder case — most of that salary jump will service the new debt for years.
Which CS specializations are actually growing, and which should I avoid?
BLS 2024–2034 projections reveal wide divergence. Data scientists (SOC 15-2051) lead at +33.5% growth with a $112,590 median wage; information security analysts (SOC 15-1212) follow at +28.5% and $124,910. Software developers (SOC 15-1252) — the field's largest destination at 1.69M employed — grow at +15.8% with a $133,080 median. Computer and information systems managers (+15.2%, $171,200) is the senior-track destination. The laggards: computer programmers (SOC 15-1251, -6.0%) is the only occupation projected to shrink outright, and computer network support specialists (+1.8%) barely beats stagnation. Web developers (+7.5%) and web/digital interface designers (+7.0%) fall between. The pattern: machine learning, security, systems, and data roles are the growth story; legacy programming and first-line network support are not.
Does it matter which CS program I pick, or are they all basically the same?
The delta is smaller than in most majors, but still meaningful. CS is unusual in that the skills map cleanly to portfolio evidence — GitHub, internships, open-source contributions — which compresses the brand premium somewhat. But program quality still shows up in internship pipelines, research opportunities, and faculty connections to industry. The volume leaders in the data are a mixed bag: Arizona State Campus Immersion (1,561 completions), Illinois Urbana-Champaign (1,555), USC (1,533), Central Missouri (1,222), Oregon State (1,130), SNHU (1,099), Western Governors (1,096), UNC Charlotte (1,081), Maryland College Park (1,074), Stevens Institute (1,065). UIUC, USC, and Maryland are research-heavy and feed strong industry pipelines; WGU and SNHU are online-first with very different placement profiles. Institutional net price matters more than ranking for most students — the dataset shows an average mid-income net price of $15,485, but that varies wildly by school.
How does CS compare to engineering or accounting for pure ROI?
CS wins on almost every dimension. Bachelor's year-1 earnings of $73,652 exceed accounting ($53,841) by roughly $20,000 annually and lead most engineering subfields at the same tier. The 10-year PSEO median of $114,482 is substantially above accounting's $79,946. Debt-to-income ratios are comparable — CS at 0.266 bachelor's versus accounting at 0.34 — but CS's higher earnings floor give graduates more margin. The +14.5% weighted employment growth is nearly six times accounting's +2.5%. The one area where the comparison tightens is demand depth: accounting projects ~440k annual openings against CS's ~285k. Both fields have real demand, but CS pays more, grows faster, and carries a healthier debt ratio at the dominant bachelor's tier. The defensible case for accounting over CS is comfort with rules-based work; the defensible case on pure ROI belongs to CS.
Still exploring?
See every computer and information sciences and support services major with career paths and earnings.
Explore related majors →