Physics at University of California-Santa Cruz
Bachelor's Degree
Analysis
UC Santa Cruz physics graduates start about $12,000 behind the California median for physics programs and roughly $10,000 below the national benchmark. Among 58 California physics programs, this ranks in just the 25th percentile—meaning three-quarters of comparable state programs produce better initial outcomes. The gap is stark when you look at peer UC schools: UCLA physics grads earn $60,495 right out of college, while UC Santa Barbara graduates start at $53,597. Even several Cal State campuses significantly outperform UCSC despite typically lower admission selectivity.
The $16,250 debt burden is reasonable and actually below both state and national medians, which keeps the financial risk relatively contained. A debt-to-earnings ratio of 0.43 means graduates owe less than half their first-year salary—manageable by most standards. However, the low starting earnings raise questions about whether UCSC physics students are finding relevant employment immediately after graduation or taking interim positions while pursuing graduate school or career pivots.
For families comparing UC options, this data suggests significant variation in physics outcomes even within the same university system. If your child is set on UC Santa Cruz for campus culture or location, the debt load won't be crushing. But if maximizing early career earnings matters—and physics employment is the goal—other California programs demonstrate substantially stronger market outcomes.
Where University of California-Santa Cruz Stands
Earnings vs. debt across all physics bachelors's programs nationally
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 University of California-Santa Cruz graduates compare to all programs nationally
University of California-Santa Cruz graduates earn $38k, placing them in the 28th percentile of all physics bachelors programs nationally.
Compare to Similar Programs in California
Physics bachelors's programs at peer institutions in California (58 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| University of California-Santa Cruz | $37,859 | — | $16,250 | 0.43 |
| California State Polytechnic University-Pomona | $64,045 | $51,682 | $23,000 | 0.36 |
| University of California-Los Angeles | $60,495 | $73,644 | $21,100 | 0.35 |
| California State University-San Bernardino | $57,114 | — | — | — |
| California State University-San Marcos | $56,018 | $66,529 | $19,069 | 0.34 |
| University of California-Santa Barbara | $53,597 | $88,722 | $15,982 | 0.30 |
| National Median | $47,670 | — | $23,304 | 0.49 |
Other Physics Programs in California
Compare tuition, earnings, and debt across California schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| California State Polytechnic University-Pomona Pomona | $7,439 | $64,045 | $23,000 |
| University of California-Los Angeles Los Angeles | $13,747 | $60,495 | $21,100 |
| California State University-San Bernardino San Bernardino | $7,675 | $57,114 | — |
| California State University-San Marcos San Marcos | $7,739 | $56,018 | $19,069 |
| University of California-Santa Barbara Santa Barbara | $14,965 | $53,597 | $15,982 |
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 of California-Santa Cruz, 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.
Sample Size: Based on 39 graduates with reported earnings and 48 graduates with debt data. Small samples may not be representative.