Analysis
Geography programs in Minnesota cluster tightly around the mid-$30,000s in first-year earnings, and Saint Cloud State appears to follow this pattern. With estimated first-year earnings of $38,019 and debt near $22,359, graduates would face a manageable debt-to-earnings ratio of 0.59—meaning debt sits at about 59% of that initial salary. By year four, earnings climb to $48,746, which substantially improves the financial picture. For context, this aligns almost exactly with the national median for geography bachelor's programs, suggesting typical outcomes for the field rather than outliers.
The real question is whether geography as a career path fits your child's goals. This isn't a field known for explosive salary growth or particularly high starting pay, though the four-year earnings bump of roughly $11,000 shows steady progression. Minnesota State-Mankato graduates earn slightly more out of the gate ($40,553), but the differences among state programs are modest enough that location, teaching quality, and career services matter more than the specific school name.
If your child has genuine interest in GIS, urban planning, or environmental work—fields where geography degrees find practical application—the debt load won't be crushing. But if this is a fallback major or lacks clear career direction, consider that $22,000 in debt for mid-$30,000 earnings requires careful budgeting in those early years. The numbers work, but only if the career path makes sense.
Where Saint Cloud State University Stands
Earnings vs. debt across all geography and cartography bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Saint Cloud State University | — | $48,746 | — |
| University of Maryland-College Park | $40,913 | $65,748 | +61% |
| University of Minnesota-Twin Cities | $38,019 | $51,259 | +35% |
| Minnesota State University-Mankato | $40,553 | $47,976 | +18% |
| Macalester College | $30,053 | $41,857 | +39% |
Compare to Similar Programs in Minnesota
Geography and Cartography bachelors's programs at peer institutions in Minnesota (8 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,117 | $38,019* | $48,746 | $22,359* | — | |
| $9,490 | $40,553* | $47,976 | —* | — | |
| $16,488 | $38,019* | $51,259 | $20,500* | 0.54 | |
| $64,908 | $30,053* | $41,857 | $19,049* | 0.63 | |
| National Median | — | $38,726* | — | $22,657* | 0.59 |
Career Paths
Occupations commonly associated with geography and cartography graduates
Geographers
Geography Teachers, Postsecondary
Cartographers and Photogrammetrists
Surveying and Mapping Technicians
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Wind Energy Operations Managers
Wind Energy Development Managers
Brownfield Redevelopment Specialists and Site Managers
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 Saint Cloud State University, approximately 20% 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 3 similar programs in MN. Actual outcomes may vary.