Bachelor's · Tampa, Florida

Is Physics at University of South Florida worth it?

Low confidence Low confidence: fewer than 40 graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back fast: graduates typically recover the cost in about 2.3 years.

Earnings 1 year after graduating: $46,855; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $74,079; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $17,625; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $37k (likely $37k – $43k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $38k a year vs high-school graduates aged 25–34 in FL; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 2.3 years (likely 1.7–3.2); Bump vs net cost plus loan interest
10-year net return: $156k (likely $53k – $282k); Today's dollars
20-year net return: $605k (likely $380k – $879k); Today's dollars
Odds of finishing (school-wide): 78%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26