Analysis
Similar physics programs nationally suggest first-year earnings around $47,670, which falls notably below the Minnesota median of $54,350 for this field. That $7,000 gap matters when you're starting your career, particularly for a STEM degree where Minnesota programs typically command stronger initial salaries. The University of Minnesota-Twin Cities reports that higher state median, showing what's possible for physics graduates who stay local.
The estimated debt load of $23,120 creates a manageable 0.49 debt-to-earnings ratio—meaning roughly half of first-year income would cover the full debt burden. That's a reasonable position by any standard. However, the earnings estimate comes from national data across 75 physics programs, which may not capture what's unique about St Catherine's outcomes or its physics graduates' career paths. Physics majors often pursue graduate school or specialized fields where initial earnings don't tell the complete story.
For parents, the practical concern is whether this program positions graduates competitively within Minnesota's market. The earnings gap compared to other state programs suggests you'll want to understand what drives St Catherine's outcomes differently—whether that's graduate school placement, specific career paths, or regional employment patterns. The debt is reasonable, but you're potentially paying the same to earn less initially than peers at other Minnesota schools.
Where St Catherine University Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in Minnesota
Physics bachelors's programs at peer institutions in Minnesota (21 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $49,758 | $47,670* | — | $23,120* | — | |
| $16,488 | $54,350* | $57,831 | $23,594* | 0.43 | |
| 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 St Catherine University, approximately 36% 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.