Analysis
At $23,120 in estimated debt for first-year earnings around $47,670, this physics program appears to land in comfortable territory—a debt-to-earnings ratio under 0.5 suggests manageable repayment. Similar bachelor's physics programs nationally carry median debt of $23,304, so the estimate here isn't alarming on its face. What matters is whether Washington Adventist can deliver outcomes comparable to those peer programs.
The real question is competitiveness. Maryland's physics graduates span a wide range, from University of Maryland-College Park's $39,825 to Salisbury's $54,548 in first-year earnings. Physics degrees typically open doors to graduate school, engineering roles, or data science—paths that depend heavily on research opportunities, faculty connections, and recruiting pipelines. Washington Adventist's 920 average SAT and 45% admission rate suggest it serves a different student population than Maryland's flagship, and with nearly half of students receiving Pell grants, access matters. But small program sizes that trigger data suppression often mean limited course offerings, fewer lab resources, and thinner professional networks.
If your child is committed to physics and this school fits other needs—faith environment, location, smaller classes—the debt estimate isn't prohibitive. However, the suppressed data reflects minimal graduate cohorts, which should prompt hard questions about laboratory facilities, faculty research productivity, and whether graduates actually land in physics-related careers or pivot elsewhere. Compare what you're paying to what larger Maryland programs offer before committing.
Where Washington Adventist University Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in Maryland
Physics bachelors's programs at peer institutions in Maryland (15 total in state)
Scroll to see more →
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $25,200 | $47,670* | — | $23,120* | — | |
| $10,638 | $54,548* | $73,937 | $23,750* | 0.44 | |
| $11,505 | $39,825* | $77,164 | $20,194* | 0.51 | |
| 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 Washington Adventist University, approximately 46% 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.