Analysis
A $26,000 debt load against estimated first-year earnings around $48,600 creates a manageable debt-to-income ratio that falls well below the national median for physics programs. While Siena's small graduate pool means we're working with estimates based on six other New York physics programs, that $26,000 figure sits slightly above the state median debt of $20,270—suggesting students here may be taking on moderately more borrowing than peers at larger state institutions.
The estimated earnings align almost exactly with New York's median for physics bachelor's degrees, placing Siena in the middle of the pack statewide. Cornell and RPI graduates pull significantly higher starting salaries, but Siena's outcomes track closely with established programs at CUNY City College and Rochester Institute of Technology. For a liberal arts college with a 71% admission rate, staying competitive with the state median indicates solid physics preparation and employer reception.
The practical math works in students' favor: a 0.53 debt-to-earnings ratio means roughly half a year's salary in debt, manageable for most graduates entering technical fields where advancement typically comes quickly. The uncertainty here stems from limited sample size rather than red flags in the available numbers. Parents should verify that Siena's physics program offers the specific research opportunities or grad school preparation their student needs, but the financial foundation appears sound for a mid-tier private college.
Where Siena College Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in New York
Physics bachelors's programs at peer institutions in New York (66 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $44,405 | $48,641* | — | $26,000 | — | |
| $61,884 | $60,348* | $88,071 | $20,270 | 0.34 | |
| $66,014 | $50,933* | — | $15,961 | 0.31 | |
| $7,340 | $48,908* | — | — | — | |
| $57,016 | $48,374* | — | $27,000 | 0.56 | |
| $10,560 | $44,562* | $69,154 | $21,683 | 0.49 | |
| 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 Siena 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 median of 6 similar programs in NY. Actual outcomes may vary.