Analysis
A $23,500 debt load for first-year earnings around $39,000 creates a manageable 0.60 debt-to-earnings ratio, but physics graduates typically command stronger starting salaries elsewhere. Comparable bachelor's programs in Texas suggest this figure, which falls $8,000 below the national median of $47,670 for physics majors. While UH-Clear Lake serves a regional commuter population—44% receive Pell grants—physics grads at Texas Tech and Texas A&M start in the mid-$50,000s, raising questions about whether Houston's aerospace and energy sectors translate into comparable opportunities for graduates here.
The debt itself aligns with state and national norms for physics programs, so the concern centers on the earnings side. Physics degrees typically open doors to technical roles, research positions, or graduate school, but starting around $39,000 in a metro area with Houston's cost of living suggests graduates may be competing at a disadvantage compared to peers from flagship programs. The similar starting salaries at UT-Austin and UT-San Antonio indicate not all Texas physics programs launch graduates into high-earning positions immediately.
If your child is considering physics here, understand that peer programs in the state produce quite varied outcomes—some excellent, some modest. The combination of reasonable debt and a relatively accessible admission profile makes this less risky than programs carrying six-figure debt, but the earnings gap compared to stronger programs is substantial enough to warrant serious conversations about career goals and whether graduate school figures into the plan.
Where University of Houston-Clear Lake Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in Texas
Physics bachelors's programs at peer institutions in Texas (40 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $7,746 | $39,285* | — | $23,500* | — | |
| $11,852 | $57,435* | — | $25,000* | 0.44 | |
| $13,099 | $53,329* | — | $17,522* | 0.33 | |
| $11,450 | $41,737* | — | $23,500* | 0.56 | |
| $11,678 | $36,832* | $76,239 | $20,333* | 0.55 | |
| $8,991 | $36,328* | — | $27,508* | 0.76 | |
| 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 Houston-Clear Lake, approximately 44% 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 TX. Actual outcomes may vary.