Analysis
Physics graduates face a distinctive challenge in Hawaii: strong first-year earnings by local standards, but limited in-state opportunities that may require leaving the islands. Based on peer physics programs nationally, first-year earnings around $47,700 are respectable—physics majors generally command higher starting salaries than most STEM fields. The estimated debt load of $23,400 produces a manageable debt-to-earnings ratio of 0.49, meaning graduates would owe roughly half a year's salary.
The real question is whether a physics degree from UH Hilo positions students competitively for opportunities that justify remaining in Hawaii's high cost-of-living environment, or whether most graduates need to relocate to the mainland for career development. Hawaii has only two physics programs statewide, and the research opportunities, tech sector jobs, and graduate school pipelines available elsewhere may be harder to access from Hilo. For students deeply committed to staying in Hawaii, this matters significantly. For those willing to relocate, the degree itself appears solid—the debt burden is reasonable and the credential opens doors to graduate programs, national labs, and technical roles nationwide.
The 40% Pell grant rate suggests UH Hilo serves many students for whom leaving Hawaii post-graduation creates financial and family complications. If your child plans to pursue graduate school or mainland opportunities in physics, these estimates suggest reasonable preparation. If they're hoping to build a physics career while staying in Hawaii, understand that path may be considerably narrower than the national figures imply.
Where University of Hawaii at Hilo Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs Nationally
Physics bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $7,838 | $47,670* | — | $23,424* | — | |
| $7,214 | $70,150* | — | $28,750* | 0.41 | |
| $6,496 | $68,664* | $76,268 | —* | — | |
| $66,104 | $68,215* | — | —* | — | |
| $50,920 | $65,316* | — | $23,250* | 0.36 | |
| $7,439 | $64,045* | $51,682 | $23,000* | 0.36 | |
| 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 of Hawaii at Hilo, approximately 40% 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.