Location: Brownwood, TX•In-State Tuition: $33,322•Admission Rate: 68%•Avg SAT: 1019
Est. Earnings (1yr)
$41,799
Est. from TX median (12 programs)
Est. Median Debt
$24,994
Est. from national median (56 programs)

Analysis

A chemistry bachelor's degree from this small private university comes with an estimated $25,000 in debt—roughly matching the national median for chemistry programs but running about $3,000 higher than the typical Texas chemistry graduate. Based on comparable programs across the state, first-year earnings around $42,000 suggest a debt-to-earnings ratio of 0.60, which translates to manageable monthly loan payments of roughly $288 on a standard 10-year plan.

What's worth noting is the gap between Howard Payne's estimated outcomes and Texas's flagship programs. Chemistry graduates from UT Austin or Texas A&M start around $43,000 to $50,000—showing that employer recognition and research opportunities at larger institutions may translate to tangible financial advantages. For a family investing in a private college experience, that comparison matters, especially when the estimated debt load here exceeds what students typically carry at those state schools.

The 0.60 ratio itself isn't alarming—it's within reasonable bounds for STEM fields—but remember these figures are extrapolated from peer programs, not this specific school's track record. If your child thrives in smaller settings (Howard Payne enrolls under 1,000 students) and needs that level of attention to succeed in a rigorous science major, the investment could work. But if they're competitive enough for admission at UT or A&M, the financial case for those alternatives is stronger.

Where Howard Payne University Stands

Earnings vs. debt across all chemistry bachelors's programs nationally

Howard Payne University (estimated ±10%)Other chemistry programs

Dashed lines show national medians. Upper-left = best value.

Compare to Similar Programs in Texas

Chemistry bachelors's programs at peer institutions in Texas (63 total in state)

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SchoolIn-State TuitionEarnings (1yr)*Earnings (4yr)Median Debt*Debt/Earnings
Howard Payne UniversityBrownwood$33,322$41,799*—$24,994*—
University of HoustonHouston$9,711$50,717*$66,725$12,000*0.24
Texas A&M University-College StationCollege Station$13,099$49,462*$66,584$19,500*0.39
The University of Texas at DallasRichardson$14,564$48,783*—$20,747*0.43
Sam Houston State UniversityHuntsville$9,228$43,940*$51,532$28,775*0.65
The University of Texas at AustinAustin$11,678$43,383*$58,652$18,500*0.43
National Median—$42,581*—$24,000*0.56
* Estimated from similar programs

Career Paths

Occupations commonly associated with chemistry graduates

Natural Sciences Managers

Plan, direct, or coordinate activities in such fields as life sciences, physical sciences, mathematics, statistics, and research and development in these fields.

$161,180/yrJobs growth:Bachelor's degree

Clinical Research Coordinators

Plan, direct, or coordinate clinical research projects. Direct the activities of workers engaged in clinical research projects to ensure compliance with protocols and overall clinical objectives. May evaluate and analyze clinical data.

$161,180/yrJobs growth:Bachelor's degree

Water Resource Specialists

Design or implement programs and strategies related to water resource issues such as supply, quality, and regulatory compliance issues.

$161,180/yrJobs growth:Bachelor's degree

Computer and Information Research Scientists

Conduct research into fundamental computer and information science as theorists, designers, or inventors. Develop solutions to problems in the field of computer hardware and software.

$140,910/yrJobs growth:Master's degree

Data Scientists

Develop and implement a set of techniques or analytics applications to transform raw data into meaningful information using data-oriented programming languages and visualization software. Apply data mining, data modeling, natural language processing, and machine learning to extract and analyze information from large structured and unstructured datasets. Visualize, interpret, and report data findings. May create dynamic data reports.

$112,590/yrJobs growth:Bachelor's degree

Business Intelligence Analysts

Produce financial and market intelligence by querying data repositories and generating periodic reports. Devise methods for identifying data patterns and trends in available information sources.

$112,590/yrJobs growth:Bachelor's degree

Clinical Data Managers

Apply knowledge of health care and database management to analyze clinical data, and to identify and report trends.

$112,590/yrJobs growth:Bachelor's degree

Chemists

Conduct qualitative and quantitative chemical analyses or experiments in laboratories for quality or process control or to develop new products or knowledge.

$86,620/yrJobs growth:Bachelor's degree

Chemistry Teachers, Postsecondary

Teach courses pertaining to the chemical and physical properties and compositional changes of substances. Work may include providing instruction in the methods of qualitative and quantitative chemical analysis. Includes both teachers primarily engaged in teaching, and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Environmental Science Teachers, Postsecondary

Teach courses in environmental science. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Physics Teachers, Postsecondary

Teach courses pertaining to the laws of matter and energy. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Environmental Scientists and Specialists, Including Health

Conduct research or perform investigation for the purpose of identifying, abating, or eliminating sources of pollutants or hazards that affect either the environment or public health. Using knowledge of various scientific disciplines, may collect, synthesize, study, report, and recommend action based on data derived from measurements or observations of air, food, soil, water, and other sources.

$80,060/yrJobs growth:Bachelor's degree
About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At Howard Payne University, approximately 42% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 12 similar programs in TX. Actual outcomes may vary.