Analysis
A debt-to-earnings ratio of 0.49—based on typical outcomes for similar private institutions and national physics programs—suggests this program could be manageable financially, though the small graduate cohort means we're working with educated guesses rather than Spring Arbor's actual track record. The estimated $23,120 in debt aligns closely with national norms for physics bachelor's programs, while projected first-year earnings of $47,670 match the national median exactly. For context, Michigan physics programs show considerable variation, with University of Michigan graduates earning substantially more but Michigan State's outcomes coming in lower than these projections.
The real question is whether Spring Arbor can deliver outcomes comparable to the national average given its profile—a 37% admission rate and SAT scores around 1070. Physics is among the more challenging majors, and career success often depends heavily on research opportunities, graduate school placement, and faculty mentorship at the undergraduate level. When data gets suppressed due to small cohort sizes, it typically signals either a new or very small program, which could mean fewer specialized courses, limited lab equipment, or less established industry connections.
If your child is seriously considering physics here, dig into the specifics: How many faculty teach physics? What equipment and research opportunities exist? What percentage of recent graduates went to graduate school versus industry jobs? Small programs can offer excellent mentoring, but they need the infrastructure to support a rigorous physics education. Without actual outcome data, the program's quality becomes the crucial variable in whether these estimates hold true.
Where Spring Arbor University Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in Michigan
Physics bachelors's programs at peer institutions in Michigan (25 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $32,580 | $47,670* | — | $23,120* | — | |
| $17,228 | $53,019* | $73,202 | $22,250* | 0.42 | |
| $15,988 | $33,400* | $59,536 | $27,000* | 0.81 | |
| 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 Spring Arbor University, approximately 26% 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.