Analysis
A debt-to-earnings ratio of 0.58 suggests manageable borrowing for a geography degree, though these figures are based on similar programs nationally rather than UND's specific outcomes. With estimated first-year earnings around $39,000 and debt near $22,000, graduates would face monthly loan payments of roughly $250 on a standard 10-year plan—about 8% of gross monthly income. That's within the threshold most financial advisors consider sustainable.
The challenge is understanding what "geography and cartography" means for actual career outcomes. Peer programs nationally show a tight earnings range (the 75th percentile is only about $4,000 higher than the median), which suggests fairly consistent entry-level salaries regardless of where you graduate. This could point to a field with standard career paths—think GIS analysts, urban planners, or environmental consultants—where credentials matter more than pedigree. UND's reasonable debt load becomes an advantage if these estimates hold true, since you're not paying a premium for access to the same job market.
The real question is whether your child has clarity on what they'd do with this degree. Geography programs vary widely in focus, from technical GIS work to environmental science to urban planning. If this aligns with a specific career interest and UND offers strong training in that area, the estimated financial picture looks reasonable. Without that clarity, you're potentially borrowing $22,000 to explore a field where the career paths aren't immediately obvious.
Where University of North Dakota Stands
Earnings vs. debt across all geography and cartography bachelors's programs nationally
Compare to Similar Programs Nationally
Geography and Cartography bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,951 | $38,726* | — | $22,359* | — | |
| $16,400 | $58,786* | — | —* | — | |
| $65,739 | $56,756* | — | —* | — | |
| $13,099 | $54,204* | $64,337 | $16,479* | 0.30 | |
| $8,994 | $53,079* | — | —* | — | |
| $64,990 | $52,883* | — | $25,000* | 0.47 | |
| National Median | — | $38,726* | — | $22,657* | 0.59 |
Career Paths
Occupations commonly associated with geography and cartography graduates
Geographers
Geography Teachers, Postsecondary
Cartographers and Photogrammetrists
Surveying and Mapping Technicians
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Wind Energy Operations Managers
Wind Energy Development Managers
Brownfield Redevelopment Specialists and Site Managers
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 North Dakota, approximately 16% 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 95 similar programs. Actual outcomes may vary.