Analysis
Borrowing roughly $25,000 to earn around $42,000 in the first year out represents a manageable debt loadβthe 0.60 ratio falls comfortably within what most experts consider sustainable. Comparable chemistry programs across Texas produce similar first-year earnings, clustering right around the $42,000 mark, which suggests this estimate reflects realistic expectations for new graduates in the state. The national median for chemistry bachelor's degrees sits at nearly the same level, reinforcing that this aligns with typical outcomes for the field.
The challenge becomes clearer when you look at what stronger chemistry programs in Texas deliver. Graduates from Texas A&M, UT Austin, and University of Houston typically start $6,000-$9,000 higher, according to reported data. Given UIW's 93% admission rate and the substantial scholarship opportunities that often accompany such open-access policies, families should calculate net cost carefully. If institutional aid brings that $25,000 debt figure down significantly, the value proposition improves considerably.
The program makes sense if your student is choosing UIW for fit, location, or financial aid that makes it genuinely affordable. But if they're admitted to a more selective Texas public with a documented track record of higher chemistry earnings, that gap could represent $30,000-$40,000 in additional lifetime earnings that outweighs modest differences in initial debt.
Where University of the Incarnate Word Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs in Texas
Chemistry bachelors's programs at peer institutions in Texas (63 total in state)
Scroll to see more β
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $35,660 | $41,799* | β | $24,994* | β | |
| $9,711 | $50,717* | $66,725 | $12,000* | 0.24 | |
| $13,099 | $49,462* | $66,584 | $19,500* | 0.39 | |
| $14,564 | $48,783* | β | $20,747* | 0.43 | |
| $9,228 | $43,940* | $51,532 | $28,775* | 0.65 | |
| $11,678 | $43,383* | $58,652 | $18,500* | 0.43 | |
| National Median | β | $42,581* | β | $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 the Incarnate Word, approximately 43% 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 median of 12 similar programs in TX. Actual outcomes may vary.