Updated March 2026 · College Scorecard data
Is Physical Sciences Worth It?
Physical Sciences holds a solid national average ROI Score of 78/100 across 2 reporting schools — Grade B territory, where repayment math works for most graduates at most institutions. Across the field, median debt is $27K against $65K in first-year earnings — a strong cushion — typical graduates carry less than half a year of starting salary in debt, leaving room to switch jobs or pursue graduate study without distress.
Physical Sciences ROI at a Glance
holds a solid national average ROI Score of 78/100 across 2 reporting schools — Grade B territory, where repayment math works for most graduates at most institutions. The graduation-weighted average across reporting institutions is the cleanest single number for the field, but it hides the spread — top programs like Chadron State College run far ahead of the bottom of the table. School choice within Physical Sciences matters because the major-level number is a starting point, not a prediction.
Earnings rise sharply from $65K in year 1 to $90K by year 5 — 38% growth in four years. That is a strong promotion curve, common in technology, engineering, and finance tracks where early-career skill compounding pays off fast. The five-year earnings trajectory is one of the strongest signals of long-run career fit; a flat curve suggests the major leads to roles where seniority does not pay off without graduate credentials, while a steep curve indicates fast skill compounding inside the field.
Best in field: Chadron State College leads the field with a 81/100 ROI Score (Grade A). Median debt at completion is $17K against $65K in first-year earnings — a debt-to-income ratio of 0.27x. Worst in field: Bethany College sits at the bottom of the field with a 74/100 ROI Score (Grade B). Median debt at completion is $37K against $65K in first-year earnings — a debt-to-income ratio of 0.56x.
Debt-to-Income at the Field Level
At a debt-to-earnings ratio of 0.41x, Physical Sciences shows a strong cushion — typical graduates carry less than half a year of starting salary in debt, leaving room to switch jobs or pursue graduate study without distress. Federal financial-aid research uses the “8% rule” — monthly student loan payments under 8% of gross monthly income — which translates to debt below roughly 0.75x annual earnings on a standard 10-year plan. Programs running above 1.0x typically need income-driven repayment to stay current; above 1.5x, the math rarely works without forgiveness mechanics or an unusually steep career ramp. For borrower-rights and repayment guidance, the Consumer Financial Protection Bureau is the most accessible federal source.
Debt vs Earnings by School
Physical Sciences by School
| School | State | Median Debt | Year 1 Earnings | Year 5 Earnings | ROI Grade | Verdict |
|---|---|---|---|---|---|---|
| Chadron State College | Ne | $17K | $65K | $90K | A | STRONG BUY |
| Bethany College | Wv | $37K | $65K | $90K | B | BUY |
How Physical Sciences’s ROI Score Is Calculated
The Physical Sciences ROI Score is a weighted composite of five financial-aid signals: debt-to-income (35%), earnings premium over a high-school diploma (25%), 10-year BLS job-growth outlook (20%), graduation rate (10%), and debt vs. the national average (10%). Each school + major combination is scored individually, then aggregated up to the field level. The grade thresholds (A ≥ 80, B ≥ 65, C ≥ 50, D ≥ 35, F < 35) are calibrated so a typical break-even degree lands in the C range. Read the full methodology.
Frequently Asked Questions
Is a Physical Sciences degree worth it?
Physical Sciences holds a solid national average ROI Score of 78/100 across 2 reporting schools — Grade B territory, where repayment math works for most graduates at most institutions. The dominant signal is debt-to-income: at a debt-to-earnings ratio of 0.41x on average, the field shows a strong cushion — typical graduates carry less than half a year of starting salary in debt, leaving room to switch jobs or pursue graduate study without distress. Outcomes vary sharply by institution, so the school you choose within Physical Sciences usually matters more than the major label itself.
What is the average debt for a Physical Sciences degree?
Median debt at completion across the 2 U.S. schools reporting Physical Sciences data to the College Scorecard is $27K, against a national all-major average of $26K. The range across schools is wide — $17K at the top of the table to $37K at the bottom.
How much do Physical Sciences graduates earn?
Earnings rise sharply from $65K in year 1 to $90K by year 5 — 38% growth in four years. That is a strong promotion curve, common in technology, engineering, and finance tracks where early-career skill compounding pays off fast. National average first-year earnings across all 30,224 school + major combinations on the site is $58K — for context, Physical Sciences sits above that benchmark.
Which school has the best Physical Sciences program by ROI?
Chadron State College leads the field with a 81/100 ROI Score (Grade A). Median debt at completion is $17K against $65K in first-year earnings — a debt-to-income ratio of 0.27x. On the other end, Bethany College sits at the bottom of the field with a 74/100 ROI Score (Grade B). Median debt at completion is $37K against $65K in first-year earnings — a debt-to-income ratio of 0.56x.
Where does this Physical Sciences data come from?
Every figure on this page comes from federal public datasets — the U.S. Department of Education College Scorecard (collegescorecard.ed.gov) for debt and earnings, IPEDS (nces.ed.gov/ipeds) for graduation rates, and BLS Employment Projections for the job-growth outlook component of the ROI Score. Borrower-rights guidance: the Consumer Financial Protection Bureau (consumerfinance.gov). The dataset was last refreshed March 2026.
Sources: U.S. Department of Education College Scorecard and IPEDS, Bureau of Labor Statistics Employment Projections, Consumer Financial Protection Bureau. All federal datasets are public domain.
Last updated 2026-03-15 · 2 schools reporting for this major.