Analysis
Texas mathematics programs produce wildly different outcomes, with SMU graduates earning $75,000 compared to the state median of roughly $50,000. Based on comparable programs across Texas, Southwestern Adventist graduates likely start near that median—around $49,700—with estimated debt of $21,750. That's a debt-to-earnings ratio of 0.44, meaning repayment within a year's salary is mathematically feasible, though tighter than the 0.40 benchmark many financial advisors recommend.
The challenge here is that you're working with estimates derived from peer institutions rather than actual outcomes from Southwestern Adventist's math program. Similar bachelor's programs in Texas suggest this earning potential, but the school's selectivity (56% admission rate, 1031 average SAT) and the fact that 39% of students receive Pell grants indicate a different student population than flagship universities. Mathematics degrees can lead anywhere from teaching to data analysis to actuarial work, and the school's specific curriculum, career placement support, and alumni network matter enormously for first-year outcomes.
If your child is passionate about mathematics and values the Adventist environment, this debt level won't derail their future. But press the admissions office for concrete placement data: where do their math graduates actually work, and what are they earning? Without that specificity, you're betting on state averages rather than this program's particular strengths.
Where Southwestern Adventist University Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Compare to Similar Programs in Texas
Mathematics bachelors's programs at peer institutions in Texas (70 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $24,588 | $49,708* | — | $21,750* | — | |
| $64,460 | $74,516* | $79,735 | $21,000* | 0.28 | |
| $11,678 | $60,011* | $75,618 | $20,500* | 0.34 | |
| $14,564 | $58,238* | — | $19,745* | 0.34 | |
| $9,711 | $54,710* | $57,873 | $20,100* | 0.37 | |
| $11,164 | $53,133* | $54,367 | $23,689* | 0.45 | |
| National Median | — | $48,772* | — | $21,500* | 0.44 |
Career Paths
Occupations commonly associated with mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
Mathematical Science Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
Mathematical Science Occupations, All Other
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 Southwestern Adventist University, approximately 39% 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 21 similar programs in TX. Actual outcomes may vary.