Analysis
A debt-to-earnings ratio of 0.49 looks manageable on paper, but the reality here is murkier than the numbers suggest. With both earnings and debt estimates drawn from national medians—$47,670 in first-year salary and $23,424 in debt—you're essentially looking at what physics graduates across the country typically experience, not what South Alabama specifically delivers. The university's 1119 average SAT and 37% Pell Grant population suggest a student body that might face different career trajectories than the national pool these estimates represent.
Physics degrees can lead to diverse outcomes: some graduates head to graduate school, others to industry jobs in engineering or tech, and still others to teaching positions. That variance matters enormously when you're working from national averages. A student landing an entry-level research position or corporate role might comfortably handle $23,000 in debt; one who takes longer to find professional work or requires graduate school to become competitive won't. The lack of Alabama-specific data for comparison means you can't assess whether South Alabama physics graduates tend toward the higher or lower end of those possibilities.
The fundamental challenge is making a financial commitment based on what peer programs suggest rather than what this particular program produces. If your child is seriously considering this path, direct conversations with the department about graduate school placement rates and employer relationships would fill critical gaps these estimates can't address.
Where University of South Alabama 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 |
|---|---|---|---|---|---|
| $9,676 | $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 South Alabama, approximately 37% 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.