Analysis
A debt-to-earnings ratio of 0.50 is solidly manageableβyour child would owe roughly half their first-year salary, which is below the threshold where loan payments typically strain budgets. The estimated $25,000 in debt (based on medians across similar USD programs) and $50,361 starting salary (drawn from national HR bachelor's programs) suggest monthly payments around $280 on a standard 10-year plan, consuming about 8% of gross income. That leaves room to actually build a life after graduation.
The bigger question is whether USD offers enough to justify choosing it over peer institutions. With a 99% admission rate and relatively modest academic profile, this isn't a school trading on prestige or elite networking. What matters more for HR roles is whether the program connects students to employers in Sioux Falls, Rapid City, or regional markets where entry-level positions exist. The fact that South Dakota has only four schools offering this major means less in-state competition, but it also suggests a smaller local job market compared to states with larger corporate hubs.
The financial picture looks workable based on what comparable programs produce, but verify that USD's career services actively place HR graduates and that the program offers internship pipelines to regional employers. If your child plans to leave South Dakota after graduation, make sure they understand they'll be competing with graduates from larger programs who may have stronger corporate recruiting relationships.
Where University of South Dakota Stands
Earnings vs. debt across all human resources management and services bachelors's programs nationally
Compare to Similar Programs Nationally
Human Resources Management and Services bachelors's programs at top institutions nationally
Scroll to see more β
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $9,432 | $50,361* | β | $25,000* | β | |
| $34,290 | $83,475* | $70,999 | $31,872* | 0.38 | |
| $17,228 | $82,714* | $92,289 | $14,225* | 0.17 | |
| $65,997 | $82,255* | β | $38,832* | 0.47 | |
| $34,595 | $80,566* | β | $29,812* | 0.37 | |
| $25,220 | $77,897* | $68,524 | $32,111* | 0.41 | |
| National Median | β | $50,361* | β | $26,625* | 0.53 |
Career Paths
Occupations commonly associated with human resources management and services graduates
Compensation and Benefits Managers
Human Resources Managers
Training and Development Managers
Labor Relations Specialists
Business Teachers, Postsecondary
Law Teachers, Postsecondary
Compliance Officers
Environmental Compliance Inspectors
Equal Opportunity Representatives and Officers
Government Property Inspectors and Investigators
Coroners
Regulatory Affairs Specialists
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 169 similar programs. Actual outcomes may vary.