Analysis
Is a physics degree from UB a sound investment when the clearest signal comes from what peer programs produce rather than this school's specific track record? Based on comparable physics programs in New York, graduates typically start around $48,600—right at the state median and slightly above the national benchmark of $47,700. The estimated debt load of roughly $19,800 creates a manageable 0.41 debt-to-earnings ratio, meaning graduates would owe less than half their first-year salary. That's considerably better than the typical physics graduate nationally, who carries about $23,300 in debt.
What's harder to assess is where UB specifically fits within New York's physics landscape. The top programs like RPI produce starting salaries above $60,000, while SUNY Stony Brook—another large public university—sits at $44,600. UB's accessibility (69% admission rate, reasonable tuition structure suggested by that debt estimate) positions it as a mid-tier public option, but without actual outcome data, parents are essentially betting on UB delivering results consistent with the state average rather than lagging behind schools with similar profiles.
The fundamentals look reasonable: physics degrees generally lead to employable skills, the estimated debt burden is light, and first-year earnings appear solid. But you're making this decision with limited visibility into how UB's specific program performs. If your child has offers from schools with published outcomes—particularly other SUNY campuses—compare those concrete numbers against this estimated baseline before committing.
Where University at Buffalo Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in New York
Physics bachelors's programs at peer institutions in New York (66 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,782 | $48,641* | — | $19,842* | — | |
| $61,884 | $60,348* | $88,071 | $20,270* | 0.34 | |
| $66,014 | $50,933* | — | $15,961* | 0.31 | |
| $7,340 | $48,908* | — | —* | — | |
| $57,016 | $48,374* | — | $27,000* | 0.56 | |
| $10,560 | $44,562* | $69,154 | $21,683* | 0.49 | |
| 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 University at Buffalo, approximately 32% 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 6 similar programs in NY. Actual outcomes may vary.