Analysis
Physics bachelor's programs nationwide typically send graduates into their first year earning around $48,000, and UVM's program likely falls within this range. With estimated debt of $23,400—based on median borrowing patterns across the university's bachelor's programs—new graduates would face a debt burden equal to about half their first-year salary. That's a manageable ratio by most standards, though physics majors often need graduate degrees to access higher-earning roles in research or academia, which could mean additional borrowing down the line.
The challenge here is that Vermont offers limited comparison points for physics programs, and UVM's specific outcomes aren't publicly available due to small cohort sizes. What we can say is that physics graduates nationally show significant earnings variation depending on whether they move into industry roles (data science, engineering, software) or pursue further education. The estimated $23,400 debt sits close to the national benchmark for physics programs, suggesting typical borrowing rather than unusually high costs.
For families weighing this investment, the key question is career direction. If your student plans to enter the workforce immediately—particularly in tech or engineering-adjacent fields—the debt-to-earnings picture looks reasonable. If graduate school is the goal, factor in that additional debt before the real earnings potential kicks in. UVM's solid SAT scores suggest capable peers, but you'll want to investigate placement rates and grad school matriculation directly with the department to move beyond these national estimates.
Where University of Vermont 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 |
|---|---|---|---|---|---|
| $18,890 | $47,670* | — | $23,424* | — | |
| $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 Vermont, approximately 13% 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.