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Most figures are U.S. government data (public domain); loan default rates and athletics come from the Urban Institute Education Data Portal (ODC-By 1.0, attribution required) and founding years from Wikidata (CC0).","url":"https://educationguide.com/colleges/westfield-state-university/majors/business","ids":{"ipeds_unitid":168263,"cip4":"52.01","school_slug":"westfield-state-university","major_slug":"business"},"school":{"name":"Westfield State University","city":"Westfield","state":"MA","control":"Public","url":"https://educationguide.com/colleges/westfield-state-university","data":"https://educationguide.com/data/colleges/westfield-state-university.json"},"major":{"name":"Business","area":"Business & Finance","credential":"Bachelor's degree"},"outcomes":{"median_earnings_1yr":41862,"median_earnings_4yr":66889,"median_debt":26000,"debt_to_earnings_4yr":0.389,"year":{"earnings_1yr":"Treasury AY2018-19, AY2019-20 pooled earnings cohort measured in CY2020, CY2021, inflation adjusted to 2022 dollars","earnings_4yr":"Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars","debt":"NSLDS pooled AY2018-19, AY2019-20 cohort"},"source":"College Scorecard field of study (graduates who received federal aid)"},"national":{"colleges_reporting":241,"median_earnings_4yr":65292,"median_debt":25836},"compared_with_same_major":{"calculated_by":"EducationGuide","state":{"geography":"MA","colleges_reporting":8,"median_earnings_4yr":72602,"difference":-5713},"us":{"colleges_reporting":241,"median_earnings_4yr":65292,"difference":1597},"note":"State and U.S. medians are the median of each covered college's graduates in this major (4 years after graduating); a state median is published when at least 3 colleges in the state report earnings."},"value":{"calculated_by":"EducationGuide","time_to_finish":{"average_years_among_graduates":4.22,"finished_in_4_years":0.4415,"finished_within_6_years":0.5486,"cohort":1008,"entering_class":"Fall 2017","source":"IPEDS Graduation Rates (bachelor's-seeking cohort)"},"baseline":{"median_earnings_high_school_graduates":39880,"geography":"MA","ages":"25-34","years":"2020-2024","respondents":5426,"description":"high school graduates ages 25-34 in MA (Census ACS 2020-2024)","source":"U.S. Census Bureau ACS 5-year PUMS (microdata): ages 25-34, high school diploma or GED as highest level, not enrolled, earnings > 0; EducationGuide calculation"},"earnings_used":66889,"earnings_basis":"median earnings of this major's graduates 4 years after graduating (College Scorecard field of study); school-wide net price","by_family_income":{"0-30k":{"net_price_per_year":10751,"cost_to_finish":45369,"payback_years":1.7,"payback_status":"ok","payback_text":"1.7 years"},"30-48k":{"net_price_per_year":11517,"cost_to_finish":48602,"payback_years":1.8,"payback_status":"ok","payback_text":"1.8 years"},"48-75k":{"net_price_per_year":14199,"cost_to_finish":59920,"payback_years":2.2,"payback_status":"ok","payback_text":"2.2 years"},"75-110k":{"net_price_per_year":18201,"cost_to_finish":76808,"payback_years":2.8,"payback_status":"ok","payback_text":"2.8 years"},"110k+":{"net_price_per_year":23286,"cost_to_finish":98267,"payback_years":3.6,"payback_status":"ok","payback_text":"3.6 years"}},"method":"cost_to_finish = max(0, net price per year) x average years graduates took; payback_years = cost_to_finish / (earnings_used - baseline), one decimal; status over_cap above 20 years, no_premium when earnings do not exceed the baseline. 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