Analysis
A $27,000 debt load against first-year earnings around $39,000 creates a manageable debt-to-earnings ratio of 0.69—well within the conventional 1.0 threshold that financial aid counselors consider reasonable. But here's the catch: both figures are estimates drawn from peer programs nationally, since UIW's Security Science cohorts are too small for the Department of Education to publish actual outcomes. Similar bachelor's programs across the country typically produce starting salaries in this range, suggesting the field itself offers modest but stable entry-level compensation.
What complicates the picture is Texas-specific data. Among the seven schools offering this program in-state, the median first-year salary drops to just $31,000—substantially below the national figure. Texas A&M's graduates start around $39,000, but UTEP's earn only $23,500, illustrating how widely outcomes vary even within the same state and credential. For a field focused on security systems, risk management, and protective technology, these numbers suggest a profession that doesn't command premium starting wages, even as cyber threats and security concerns grow.
The bottom line: this appears financially viable on paper, with debt that graduates could reasonably manage. But you're relying entirely on national estimates since UIW hasn't produced enough graduates to generate its own track record. Before committing, your child should compare this to UIW's actual outcomes in related fields like criminal justice or IT, which may offer clearer data and similar career pathways.
Where University of the Incarnate Word Stands
Earnings vs. debt across all security science and technology bachelors's programs nationally
Compare to Similar Programs in Texas
Security Science and Technology bachelors's programs at peer institutions in Texas (7 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $35,660 | $39,252* | — | $27,000* | — | |
| $13,099 | $38,792* | $59,784 | —* | — | |
| $9,744 | $23,495* | — | $25,432* | 1.08 | |
| National Median | — | $39,252* | — | $25,000* | 0.64 |
Career Paths
Occupations commonly associated with security science and technology graduates
Information Security Analysts
Geographers
Financial Examiners
Geography Teachers, Postsecondary
Criminal Justice and Law Enforcement Teachers, Postsecondary
Accountants and Auditors
Cartographers and Photogrammetrists
Detectives and Criminal Investigators
Police Identification and Records Officers
Intelligence Analysts
Police and Sheriff's Patrol Officers
Customs and Border Protection Officers
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 national median of 41 similar programs. Actual outcomes may vary.