Analysis
Business degrees from University of the Southwest carry an estimated $26,500 in debt—right in line with national norms for business programs—while similar bachelor's programs nationally produce median first-year earnings around $50,740. That debt-to-earnings ratio of 0.52 suggests graduates could reasonably pay down their loans within a few years if they secure typical business employment. The challenge here is context: as the only four-year institution in New Mexico reporting business program data, there's no local comparison to assess whether Southwest's outcomes match or lag regional competitors.
The university serves a predominantly low-income student body (56% receive Pell grants), which makes the debt load particularly relevant. For families without financial cushion, $26,500 represents real risk, even with earnings that align with national business program medians. Comparable programs across the country show considerable variation—the top quartile hits $60,682 in first-year earnings—so where Southwest's actual graduates land within that range matters enormously but remains unknown.
Without school-specific data or even state-level comparisons, you're betting on national averages holding true for a small university in southeastern New Mexico. If your student has specific career goals in business, verify that Southwest's curriculum and regional employer connections support those ambitions, and consider whether the debt load makes sense if earnings fall below the national median.
Where University of the Southwest Stands
Earnings vs. debt across all business, management, marketing, bachelors's programs nationally
Compare to Similar Programs Nationally
Business, Management, Marketing, bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $16,670 | $50,740* | — | $26,500* | — | |
| $13,120 | $82,115* | — | $29,062* | 0.35 | |
| $16,450 | $80,842* | — | $15,697* | 0.19 | |
| $41,010 | $73,382* | $78,432 | $27,000* | 0.37 | |
| $59,070 | $72,850* | $89,485 | $26,500* | 0.36 | |
| $58,150 | $70,365* | $89,440 | $26,000* | 0.37 | |
| National Median | — | $50,740* | — | $26,000* | 0.51 |
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 Southwest, approximately 56% 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 31 similar programs. Actual outcomes may vary.