Median Earnings (1yr)
$40,398
5th percentile (25th in TX)
Median Debt
$18,000
28% below national median
Debt-to-Earnings
0.45
Manageable
Sample Size
18
Limited data

Analysis

The small sample size here is critical context, but the numbers still raise questions. University of St. Thomas accounting graduates earn $40,398 in their first year—about $9,000 below the Texas state median and nearly $13,000 below the national benchmark. Among Texas accounting programs, this lands in just the 25th percentile, meaning three-quarters of comparable programs in the state produce higher-earning graduates. The gap is stark when you look at Texas's top programs: UT Austin and Texas A&M graduates start around $68,000, nearly 70% more.

The moderate debt load of $18,000 is actually a strength here, coming in well below both state and national medians. With a 0.45 debt-to-earnings ratio, graduates should be able to manage their loans—that's roughly half a year's earnings, which is reasonable territory. However, the low starting salary means absolute monthly payments could still feel tight, even with less debt than peers elsewhere.

For a family considering this program, the key question is opportunity cost. Texas has strong public options like UT Austin and Texas A&M, plus competitive private programs, all delivering significantly better earnings outcomes. Unless there are compelling personal reasons to attend St. Thomas specifically—location, scholarships that bring costs even lower, or family circumstances that prioritize staying close to Houston—the earnings gap suggests looking at alternatives with stronger accounting placement records.

Where University of St Thomas Stands

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

University of St ThomasOther accounting 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 St Thomas graduates compare to all programs nationally

University of St Thomas graduates earn $40k, placing them in the 5th percentile of all accounting bachelors programs nationally.

Compare to Similar Programs in Texas

Accounting bachelors's programs at peer institutions in Texas (67 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of St Thomas$40,398—$18,0000.45
Texas Christian University$72,031$78,532$17,7780.25
Southern Methodist University$68,643$77,801$15,8500.23
Baylor University$68,187$80,617$20,5000.30
The University of Texas at Austin$68,082$78,482$19,4620.29
Texas A&M University-College Station$67,186$84,502$17,6410.26
National Median$53,694—$25,0000.47

Other Accounting Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
Texas Christian University
Fort Worth
$57,220$72,031$17,778
Southern Methodist University
Dallas
$64,460$68,643$15,850
Baylor University
Waco
$54,844$68,187$20,500
The University of Texas at Austin
Austin
$11,678$68,082$19,462
Texas A&M University-College Station
College Station
$13,099$67,186$17,641

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 St Thomas, approximately 38% 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 20 graduates with debt data. Small samples may not be representative.