Analysis
A debt-to-earnings ratio below 0.5 suggests manageable financial footing—at an estimated $23,400 in debt against $47,700 in first-year earnings, URI's physics program aligns closely with what similar bachelor's programs deliver nationally. Rhode Island has only three institutions offering physics degrees, and with no reported outcomes data available for comparison, these national benchmarks become the primary reference point. The estimated earnings match the national median exactly, suggesting graduates enter a fairly standard job market for physics bachelor's holders, whether they're pursuing research positions, teaching, or technical roles in industry.
The real question is what comes next. Physics bachelor's degrees often serve as stepping stones to graduate school or specialized training rather than terminal credentials. That $47,700 figure represents immediate post-graduation earnings, but many physics graduates pursue advanced degrees that significantly alter their earnings trajectory. If your child plans to stop at the bachelor's level, these numbers suggest a solid if unspectacular return. The debt load is reasonable enough that it shouldn't preclude graduate school options, but it also won't disappear quickly on a near-$48,000 salary.
URI's 77% admission rate and mid-range SAT scores indicate accessibility without suggesting weak academic preparation. For a physics degree where persistence and problem-solving matter more than prestige in many career paths, the value proposition depends heavily on post-graduation plans—graduate school, industry work, or teaching will each produce very different long-term outcomes from this same starting point.
Where University of Rhode Island 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 |
|---|---|---|---|---|---|
| $16,408 | $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 Rhode Island, approximately 21% 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.