Analysis
A debt-to-earnings ratio under 0.5 suggests physics graduates from University of Maine enter manageable financial territory, with peer programs nationally indicating around $47,670 in first-year earnings against roughly $23,400 in debt. That's a reasonable starting point for a technical degree, though it's worth noting that physics careers often require graduate school to reach higher earning potential—and these figures only capture the immediate post-graduation snapshot.
The real question is trajectory. Physics bachelor's degrees typically serve as launching pads: some graduates move directly into industry roles in engineering, data science, or technology where salaries climb quickly, while others pursue advanced degrees where earnings remain modest for years. National data shows the field produces a wide spread—the top quarter of programs report first-year earnings above $54,000, suggesting that outcomes depend heavily on what students do with the degree. Without program-specific data from UMaine, it's harder to know whether graduates tend toward one path or the other.
For families considering this investment, the estimated financials work if your student has a clear plan beyond graduation. The debt load won't be crushing, but physics isn't typically a field where a bachelor's alone leads to standout early earnings. If graduate school is likely, factor that into the total investment picture.
Where University of Maine 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 |
|---|---|---|---|---|---|
| $12,606 | $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 Maine, approximately 22% 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.