Analysis
At $27,000 in estimated debt against first-year earnings around $36,000, this rehabilitation program sits in challenging territory typical of helping professions. While the 0.75 debt-to-earnings ratio might sound manageable on paper, it translates to monthly loan payments that consume a significant chunk of take-home payβroughly 10% of gross income under standard repayment plans. For a field where passion often drives career choice, the financial math deserves careful scrutiny.
The earnings estimate comes from national patterns across similar bachelor's programs in rehabilitation and therapeutic professions, where graduates typically cluster in the mid-$30,000s their first year out. This isn't a Northwest Nazarene-specific outcome, but rather what peer programs across the country generally produce. These fields often require additional credentials or graduate degrees to reach higher earning potential, meaning this bachelor's degree may be just the first step in a longer, costlier educational journey.
For families considering this path, the key question is whether your student plans to continue to graduate school or can enter the workforce immediately with marketable skills. If grad school is likely, accumulating $27,000 in undergraduate debt adds weight to an already heavy educational load. Income-driven repayment plans exist as a safety net, but banking on loan forgiveness programs means years of financial constraint. Make sure your student understands the full credentialing requirements for their desired role before committing to this investment.
Where Northwest Nazarene University Stands
Earnings vs. debt across all rehabilitation and therapeutic professions bachelors's programs nationally
Compare to Similar Programs Nationally
Rehabilitation and Therapeutic Professions bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $39,370 | $35,966* | β | $27,000* | β | |
| $12,240 | $59,937* | β | $18,500* | 0.31 | |
| $7,358 | $57,806* | $79,325 | β* | β | |
| $33,560 | $50,473* | $64,089 | $26,250* | 0.52 | |
| $8,353 | $47,541* | β | $25,326* | 0.53 | |
| $9,315 | $43,684* | β | β* | β | |
| National Median | β | $35,966* | β | $26,250* | 0.73 |
Career Paths
Occupations commonly associated with rehabilitation and therapeutic professions graduates
Physical Therapists
Occupational Therapists
Low Vision Therapists, Orientation and Mobility Specialists, and Vision Rehabilitation Therapists
Health Specialties Teachers, Postsecondary
Orthotists and Prosthetists
Recreational Therapists
Exercise Physiologists
Rehabilitation Counselors
Medical Appliance Technicians
Engineers, All Other
Energy Engineers, Except Wind and Solar
Mechatronics Engineers
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 Northwest Nazarene University, approximately 29% 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 57 similar programs. Actual outcomes may vary.