Analysis
A debt-to-earnings ratio of 0.56—based on national Chemistry bachelor's benchmarks—suggests manageable financial risk. When similar programs produce first-year earnings around $42,500 against $23,700 in debt, graduates typically need about half a year's salary to cover their borrowing, which falls within reasonable bounds for STEM degrees.
What makes USD's position harder to evaluate is South Dakota's limited chemistry landscape. With nine programs statewide but no reported outcomes data to compare against, it's unclear whether USD prepares students as effectively as larger state universities or whether South Dakota's job market supports chemistry graduates at national wage levels. The university's 99% admission rate and modest SAT scores suggest less competitive admissions than flagship research institutions, which could affect both academic rigor and employer perceptions.
The estimated figures here reflect what chemistry graduates nationally experience—not necessarily what USD students achieve. For a field where lab experience, research opportunities, and faculty credentials matter significantly for graduate school admission and industry hiring, parents should investigate USD's specific resources: research funding, instrumentation, industry partnerships, and graduate school placement rates. If USD matches peer institutions in these areas, the debt load appears reasonable. If it significantly trails, you're paying similar tuition for potentially weaker outcomes in a state with limited chemistry employment options.
Where University of South Dakota Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs Nationally
Chemistry bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $9,432 | $42,581* | — | $23,675* | — | |
| $63,141 | $62,511* | $88,634 | $24,500* | 0.39 | |
| $14,850 | $59,576* | $64,496 | $11,172* | 0.19 | |
| $14,766 | $55,389* | — | $23,600* | 0.43 | |
| $11,389 | $55,376* | $67,363 | $27,000* | 0.49 | |
| $16,080 | $54,055* | $67,828 | $24,893* | 0.46 | |
| National Median | — | $42,581* | — | $24,000* | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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 Dakota, approximately 18% 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 205 similar programs. Actual outcomes may vary.