Based on U.S. Department of Education data (October 2025 release). Some figures are estimates based on similar programs — see details below.
Analysis
A $27,000 debt load for a bachelor's degree that peer programs suggest leads to around $36,000 in first-year earnings creates a manageable starting point—the 0.75 debt-to-earnings ratio means graduates would owe roughly nine months of their annual salary. In rehabilitation and therapeutic professions nationally, this falls right in line with typical outcomes: the national median debt is $26,250 for similar programs, so Northwestern College's estimates track closely with what these fields generally produce. This isn't a windfall career, but it's not a debt trap either.
The challenge lies in what comes next. Rehabilitation fields often require graduate credentials for meaningful advancement—physical therapists need doctorates, occupational therapists need master's degrees. If your child views this bachelor's as a stepping stone rather than a terminal degree, that $27,000 becomes the first installment on a much larger educational investment. However, if they're entering fields like rehabilitation services coordination or therapeutic recreation where a bachelor's suffices, the numbers work more straightforwardly: the debt should be repayable within standard ten-year terms without severe strain.
Given that we're working with estimates rather than Northwestern's actual graduate outcomes, treat these figures as directional rather than definitive. The practical question is whether your child has clarity on their specific career path within rehabilitation professions—because that determines whether this debt level is reasonable or just the beginning.
Where Northwestern College 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 |
|---|---|---|---|---|---|
| $35,300 | $35,966* | — | $27,000* | — | |
| $12,240 | $59,937* | — | $18,500* | 0.31 | |
| $7,358 | $57,806* | $79,325 | —* | — | |
| $33,560 | $50,473* | $64,089 | $26,250* | 0.52 | |
| $8,353 | $47,541* | — | $25,326* | 0.53 | |
| $9,315 | $43,684* | — | —* | — | |
| National Median | — | $35,966* | — | $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 Northwestern College, approximately 23% 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.