Median Earnings (1yr)
$47,056
47th percentile (60th in TX)
Median Debt
$25,475
2% below national median
Debt-to-Earnings
0.54
Manageable
Sample Size
65
Adequate data

Analysis

Southwestern University's business program stands out for something unusual: graduates who start modestly actually see their careers accelerate significantly. First-year earnings of $47,056 jump 62% to $76,367 by year four—the kind of trajectory that suggests employers increasingly value these graduates as they prove themselves. Among Texas business programs, this ranks in the 60th percentile despite the school's selective 39% admission rate and strong academics (1269 average SAT), suggesting graduates may land at smaller employers initially but advance quickly.

The $25,475 median debt loads students with roughly half their first-year salary, which is manageable but becomes quite comfortable as earnings climb. Compare this to UT Austin's $94,000 first-year figure—Southwestern graduates start earning about half that amount but close much of the gap by year four. The moderate sample size means individual outcomes vary, but the growth pattern appears consistent.

For families weighing this program, the question is whether starting below Texas peers is acceptable in exchange for strong upward momentum. If your student thrives in smaller liberal arts environments and you're comfortable with a slower launch, the four-year earnings suggest patience pays off. If immediate earning power matters more—say, for supporting family or paying down debt quickly—programs with higher starting salaries might better fit your needs.

Where Southwestern University Stands

Earnings vs. debt across all business/commerce bachelors's programs nationally

Southwestern UniversityOther business/commerce programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Southwestern University graduates compare to all programs nationally

Southwestern University graduates earn $47k, placing them in the 47th percentile of all business/commerce bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Texas

Business/Commerce bachelors's programs at peer institutions in Texas (41 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Southwestern University$47,056$76,367$25,4750.54
The University of Texas at Austin$94,041———
Baylor University$74,886$90,608$15,0000.20
Concordia University Texas$60,641$71,368$38,1380.63
DeVry University-Texas$57,020$56,664$47,2360.83
University of Houston-Clear Lake$56,494$70,808$23,7660.42
National Median$47,506—$26,0000.55

Other Business/Commerce Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
The University of Texas at Austin
Austin
$11,678$94,041—
Baylor University
Waco
$54,844$74,886$15,000
Concordia University Texas
Austin
$36,690$60,641$38,138
DeVry University-Texas
Irving
$17,488$57,020$47,236
University of Houston-Clear Lake
Houston
$7,746$56,494$23,766

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 University, 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.

Sample Size: Based on 65 graduates with reported earnings and 67 graduates with debt data. Small samples may not be representative.