Analysis
A debt-to-earnings ratio of 0.65 would typically signal reasonable financing for a geography degree, but the stagnant earnings trajectory here complicates that picture. Valparaiso's geography graduates—drawing on comparable programs nationally—appear to earn roughly $38,700 in their first year, then see virtually no growth by year four ($37,600). That's unusual for any bachelor's degree and suggests either limited career progression in early-career geography roles or graduates struggling to find positions that leverage their credential.
The $25,000 in estimated debt sits slightly above the national median for geography programs but tracks closely with Indiana's state average. What matters more is whether those geography skills translate into earnings growth that justifies the investment. Similar programs across Indiana produce first-year earnings around $34,300, making Valparaiso's estimated figure competitive for the state. But without evidence of income momentum, that initial advantage matters less than it should.
For parents evaluating this path, the critical question is what specific career trajectory their student envisions. Geography and cartography skills can lead to GIS analyst roles, urban planning positions, or environmental consulting—fields where earnings typically climb with experience. If this program isn't producing that growth, it may lack the specialized training or industry connections that translate academic geography into marketable expertise. The flat earnings pattern deserves a direct conversation with the department about graduate outcomes and career placement.
Where Valparaiso University Stands
Earnings vs. debt across all geography and cartography bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Valparaiso University | — | $37,616 | — |
| University of Maryland-College Park | $40,913 | $65,748 | +61% |
| Texas A&M University-College Station | $54,204 | $64,337 | +19% |
| The University of Texas at Austin | $36,878 | $61,313 | +66% |
| Ball State University | $34,274 | $49,490 | +44% |
Compare to Similar Programs in Indiana
Geography and Cartography bachelors's programs at peer institutions in Indiana (7 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $46,588 | $38,726* | $37,616 | $25,000* | — | |
| $10,758 | $34,274* | $49,490 | $26,000* | 0.76 | |
| National Median | — | $38,726* | — | $22,657* | 0.59 |
Career Paths
Occupations commonly associated with geography and cartography graduates
Geographers
Geography Teachers, Postsecondary
Cartographers and Photogrammetrists
Surveying and Mapping Technicians
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Wind Energy Operations Managers
Wind Energy Development Managers
Brownfield Redevelopment Specialists and Site Managers
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 Valparaiso University, 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 95 similar programs. Actual outcomes may vary.