Analysis
A Physics bachelor's degree from Southern Nazarene University carries an estimated $23,120 in debt—close to the national median for this field—while comparable programs nationally suggest first-year earnings around $47,670. That puts the debt-to-earnings ratio at 0.49, meaning graduates would owe roughly half their first year's salary. While this isn't an alarming burden compared to many undergraduate programs, physics degrees at larger research universities often lead to stronger initial outcomes, particularly for students heading into graduate school or specialized technical roles.
The challenge here is that we're working entirely with estimates since SNU's physics cohort is too small for the Department of Education to report actual outcomes. The $47,670 figure comes from the national median across 75 physics programs, which means it could look quite different for SNU's specific graduates depending on the career paths they pursue and the region where they work. Oklahoma's job market for physics graduates tends to be more limited than coastal tech hubs, which could affect those early-career numbers. With 45% of students receiving Pell grants, many families here are counting on solid post-graduation returns.
The practical question: Can your child leverage this degree into graduate school or a technical career that justifies the investment? Physics opens doors to engineering, data science, and research positions, but much depends on internships, graduate plans, and networking—areas where a smaller program might struggle compared to larger state universities with established industry pipelines.
Where Southern Nazarene University Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs Nationally
Physics bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $29,600 | $47,670* | — | $23,120* | — | |
| $7,214 | $70,150* | — | $28,750* | 0.41 | |
| $6,496 | $68,664* | $76,268 | —* | — | |
| $66,104 | $68,215* | — | —* | — | |
| $50,920 | $65,316* | — | $23,250* | 0.36 | |
| $7,439 | $64,045* | $51,682 | $23,000* | 0.36 | |
| 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 Southern Nazarene University, approximately 45% 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.