Median Earnings (1yr)
$34,373
17th percentile (25th in CO)
Median Debt
$27,000
16% above national median
Debt-to-Earnings
0.79
Manageable
Sample Size
18
Limited data

Analysis

The small sample size here—fewer than 30 graduates—means these numbers could swing dramatically year to year, but the pattern is worth understanding. UNC physics graduates start at $34,373, landing in the bottom quartile both nationally and among Colorado's 13 physics programs. That's $7,500 below the state median and $13,000 behind what Colorado State physics grads earn. While the debt load is relatively modest at $27,000, earning 79 cents on every dollar of debt in your first year out suggests a slower financial start than most physics programs deliver.

Physics is often a stepping stone to graduate school or specialized technical roles where early earnings don't tell the full story. If your student plans to pursue advanced degrees or is drawn to research positions, these initial numbers matter less. However, if the goal is immediate employment leverage from a bachelor's degree, other Colorado physics programs appear to open better doors. The key question: Is UNC the right academic fit for a price point that justifies starting $17,000 behind peers at Colorado State? For families banking on physics delivering strong financial returns straight out of undergrad, this program warrants careful comparison against alternatives within Colorado's public university system.

Where University of Northern Colorado Stands

Earnings vs. debt across all physics bachelors's programs nationally

University of Northern ColoradoOther physics programs

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 Northern Colorado graduates compare to all programs nationally

University of Northern Colorado graduates earn $34k, placing them in the 17th percentile of all physics bachelors programs nationally.

Compare to Similar Programs in Colorado

Physics bachelors's programs at peer institutions in Colorado (13 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Northern Colorado$34,373—$27,0000.79
Colorado State University-Fort Collins$51,927———
University of Colorado Boulder$41,874$50,697$20,6350.49
National Median$47,670—$23,3040.49

Other Physics Programs in Colorado

Compare tuition, earnings, and debt across Colorado schools

SchoolIn-State TuitionEarnings (1yr)Debt
Colorado State University-Fort Collins
Fort Collins
$12,896$51,927—
University of Colorado Boulder
Boulder
$16,430$41,874$20,635

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 Northern Colorado, approximately 26% 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 18 graduates with reported earnings and 23 graduates with debt data. Small samples may not be representative.