Analysis
A debt-to-earnings ratio under 0.5 typically signals manageable student loans, and peer physics programs nationally suggest this holds true here—with estimated first-year earnings around $47,670 against roughly $23,000 in debt. Physics bachelor's degrees generally open doors to multiple career paths, from engineering to data science to graduate school, which helps explain why the field maintains relatively strong entry-level salaries. The University of Tulsa's selectivity (58% admission rate, 1325 average SAT) suggests rigorous preparation, though without program-specific outcomes data, you're making an educated guess about how well this particular department converts that academic foundation into career results.
The challenge is that Oklahoma has nine physics programs, and none report sufficient graduate data for direct comparison. You're essentially betting on national trends applying locally. Similar programs across the country produce the earnings and debt figures used here, but regional job markets matter—Tulsa's aerospace and energy sectors could mean stronger or weaker outcomes than the national average depending on local hiring patterns and the program's industry connections.
For physics specifically, the value proposition often hinges on what comes next. If your child plans graduate school, undergraduate debt matters less than research opportunities and faculty mentorship. If they're headed straight to work, internships and applied skills become critical. Ask the department about graduate school acceptance rates and employer partnerships—those details will tell you more about return on investment than these estimated figures can.
Where University of Tulsa Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs Nationally
Physics bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $48,602 | $47,670* | — | $23,120* | — | |
| $7,214 | $70,150* | — | $28,750* | 0.41 | |
| $6,496 | $68,664* | $76,268 | —* | — | |
| $66,104 | $68,215* | — | —* | — | |
| $50,920 | $65,316* | — | $23,250* | 0.36 | |
| $7,439 | $64,045* | $51,682 | $23,000* | 0.36 | |
| National Median | — | $47,670* | — | $23,304* | 0.49 |
Career Paths
Occupations commonly associated with physics graduates
Physicists
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Physics Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
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 Tulsa, approximately 26% 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 75 similar programs. Actual outcomes may vary.