Analysis
A debt-to-earnings ratio of 0.44 suggests manageable financial risk, though the picture here remains somewhat uncertain. Based on national benchmarks from similar mathematics bachelor's programs, graduates might expect around $48,800 in first-year earnings against roughly $21,500 in debt—numbers that fall within a reasonable range for repayment. However, comparable programs in Oklahoma typically show lower first-year earnings (around $43,700), and SWOSU's open-admission structure and relatively modest SAT profile (1050 average) raise questions about whether graduates here will match national outcomes or trend closer to state averages.
The gap matters: If earnings land closer to the Oklahoma median rather than the national one, the debt burden becomes less comfortable, though still serviceable. Oklahoma State's reported figure of $46,900 suggests that strong math programs in the state can approach national benchmarks, but there's meaningful variation. SWOSU serves a substantial population of Pell-eligible students (38%), which speaks to its accessibility mission, though this doesn't tell us whether its specific graduates are landing competitive positions in teaching, actuarial work, or tech fields where math degrees typically find value.
For families weighing this decision, the fundamentals don't scream "avoid," but they don't provide confidence either. The estimated debt load won't trap students, but without clearer outcome data specific to SWOSU's program, you're making a bet on whether this particular school can deliver results matching stronger Oklahoma programs—a gamble that might be fine if cost considerations or location make this the practical choice.
Where Southwestern Oklahoma State University Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Compare to Similar Programs in Oklahoma
Mathematics bachelors's programs at peer institutions in Oklahoma (19 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $8,295 | $48,772* | — | $21,498* | — | |
| $10,234 | $46,943* | — | $23,301* | 0.50 | |
| $9,595 | $40,531* | $55,204 | $16,500* | 0.41 | |
| 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 Oklahoma State University, approximately 38% 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 253 similar programs. Actual outcomes may vary.