Analysis
Chemistry graduates from Southwest Minnesota State face a financial reality that looks surprisingly manageable compared to what you might expect from a science degree. With estimated debt of $24,250—right in line with the national median for chemistry programs—and first-year earnings around $46,000 based on peer Minnesota schools, the debt-to-earnings ratio sits at a reasonable 0.53. That's less than six months of gross income, which puts this program in healthier territory than many bachelor's degrees.
The bigger question is whether a regional Minnesota school can deliver chemistry outcomes comparable to the state's larger research universities. The estimate suggests earnings on par with the state median, though remember this is derived from just four similar programs in Minnesota rather than actual SMSU graduate data. The school's 69% admission rate and modest SAT scores indicate it serves a different student population than the University of Minnesota system or selective liberal arts colleges like St. Olaf, where chemistry grads reportedly earn in the $44,000-$50,000 range.
For families weighing this option, the modest debt load is genuinely encouraging—you're not gambling with outsized borrowing. But given the small sample size that forced data suppression, talk directly with the department about graduate outcomes, internship pipelines, and whether alumni land in lab work, industry positions, or graduate programs. Chemistry can open doors to solid careers, but at a smaller regional school, much depends on the specific resources and connections available.
Where Southwest Minnesota State University Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs in Minnesota
Chemistry bachelors's programs at peer institutions in Minnesota (26 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,304 | $46,063* | — | $24,250* | — | |
| $48,311 | $50,007* | — | —* | — | |
| $16,488 | $47,451* | $64,031 | $21,158* | 0.45 | |
| $14,318 | $44,674* | $66,981 | $22,500* | 0.50 | |
| $56,970 | $44,020* | $57,761 | $24,988* | 0.57 | |
| National Median | — | $42,581* | — | $24,000* | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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 Southwest Minnesota State University, approximately 11% 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 4 similar programs in MN. Actual outcomes may vary.