Physics at Hastings College

Physics programs in Nebraska cluster around $47,670 in first-year earnings, which is where comparable programs nationally suggest Hastings graduates might land. With estimated debt around $23,120, this creates a manageable debt-to-earnings ratio of 0.49—meaning roughly half a year's salary to repay what's borrowed. That's actually slightly better than the national median debt for physics bachelor's programs, which runs closer to $23,300.

The challenge is that physics earnings don't follow the trajectory many parents expect from STEM degrees. While computer science or engineering graduates often see rapid salary growth, physics bachelor's holders frequently need graduate school to access higher-paying research or specialized roles. That $47,670 figure represents a ceiling for many unless they pivot into engineering, data science, or pursue advanced degrees. Similar programs suggest this initial salary remains relatively flat without additional credentials.

For families comfortable with the likelihood of graduate school—and the additional debt that entails—this estimated debt load provides a reasonable foundation. But if your child plans to enter the workforce directly after graduation expecting typical engineering-level compensation, the reality based on peer programs will likely disappoint. The value proposition here depends almost entirely on what comes after the bachelor's degree.