Median Earnings (1yr)
$45,891
72nd percentile (40th in TX)
Median Debt
$24,467
7% below national median
Debt-to-Earnings
0.53
Manageable
Sample Size
17
Limited data

Analysis

Howard Payne graduates start above the national average for teacher education programs, but there's a concerning gap: they earn about $5,500 less than the typical Texas teacher education graduate in their first year. That 40th percentile state ranking puts this program solidly in the bottom half statewide—meaningful context since most teaching jobs will be in Texas. The earnings trajectory makes this trickier: graduates actually see their income drop 13% by year four, unusual in a profession where salary schedules typically reward experience.

The $24,467 debt load is manageable compared to many programs, sitting below both state and national medians. That 0.53 debt-to-earnings ratio suggests graduates can handle their loan payments without major hardship. However, with 42% of students receiving Pell grants, many families here are price-sensitive, and cheaper alternatives exist within Texas that deliver stronger outcomes—several state universities place their education graduates $7,000-12,000 ahead by year one.

The small sample size here is critical: we're looking at fewer than 30 graduates, so a few outliers could skew these numbers significantly. For a family considering this program, the question is whether Howard Payne's smaller campus experience justifies accepting below-average Texas outcomes. If your child wants to teach in Texas and cost matters, exploring state schools or the higher-performing regional privates would likely deliver better returns.

Where Howard Payne University Stands

Earnings vs. debt across all teacher education and professional development, specific subject areas bachelors's programs nationally

Howard Payne UniversityOther teacher education and professional development, specific subject areas programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Howard Payne University graduates compare to all programs nationally

Howard Payne University graduates earn $46k, placing them in the 72th percentile of all teacher education and professional development, specific subject areas bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Texas

Teacher Education and Professional Development, Specific Subject Areas bachelors's programs at peer institutions in Texas (40 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Howard Payne University$45,891$40,076$24,4670.53
Houston Christian University$58,604$53,174——
Texas Christian University$57,665$52,756$26,5000.46
Baylor University$53,201$51,043$27,0000.51
Saint Edward's University$52,758$51,133$26,0000.49
University of Mary Hardin-Baylor$52,133$48,568$27,0000.52
National Median$43,082—$26,2210.61

Other Teacher Education and Professional Development, Specific Subject Areas Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
Houston Christian University
Houston
$38,100$58,604—
Texas Christian University
Fort Worth
$57,220$57,665$26,500
Baylor University
Waco
$54,844$53,201$27,000
Saint Edward's University
Austin
$51,384$52,758$26,000
University of Mary Hardin-Baylor
Belton
$33,150$52,133$27,000

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.

Sample Size: Based on 17 graduates with reported earnings and 19 graduates with debt data. Small samples may not be representative.