Analysis
Based on comparable physics programs nationally, graduates can expect to earn around $47,670 in their first year—a figure that falls notably short of Minnesota's typical $54,350 median for physics bachelor's degrees. This $7,000 gap suggests students might find stronger earning potential at other in-state options, particularly the University of Minnesota-Twin Cities, where actual reported outcomes show graduates hitting that higher state benchmark.
The estimated debt load of $23,424 produces a manageable debt-to-earnings ratio of 0.49, meaning graduates would owe roughly half their first-year salary. This sits in reasonable territory for a STEM degree, though it's worth noting that physics careers often require graduate school for the best opportunities, which could compound the debt picture. The modest admission profile (1090 SAT, 53% acceptance rate) suggests this program may serve students who need a more accessible entry point into physics than flagship alternatives offer.
For families weighing this program, the central question is whether the tradeoff makes sense: accepting potentially lower initial earnings in exchange for smaller classes and a less competitive environment. If your student is headed directly to graduate school anyway—where the undergraduate institution matters less than research experience and recommendations—Minnesota State Moorhead could provide a solid foundation. But if the plan is to work immediately after graduation, the earnings gap compared to other Minnesota programs deserves serious consideration.
Where Minnesota State University Moorhead Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in Minnesota
Physics bachelors's programs at peer institutions in Minnesota (21 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,336 | $47,670* | — | $23,424* | — | |
| $16,488 | $54,350* | $57,831 | $23,594* | 0.43 | |
| National Median | — | $47,670* | — | $23,304* | 0.49 |
Career Paths
Occupations commonly associated with physics graduates
Physicists
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Physics Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
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 Minnesota State University Moorhead, approximately 27% 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 national median of 75 similar programs. Actual outcomes may vary.