First professional · San Antonio, Texas

Is Optometry at University of the Incarnate Word worth it?

High confidence High confidence: 100+ graduates behind the earnings figures.

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

Pays back in time: graduates typically recover the cost in about 6.8 years.

Earnings 1 year after graduating: $120,221; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $143,393; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $283,568; NSLDS pooled AY2022-23, AY2023-24 cohort
Typical borrowing (no graduate net price is published): $301k (likely $301k – $301k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $80k a year vs bachelor's graduates 4 years out in TX; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 6.8 years (likely 5.7–8.1); Bump vs net cost plus loan interest
10-year net return: $18k (likely −$133k – $170k); Today's dollars
20-year net return: $978k (likely $677k – $1.36M); Today's dollars
Borrowers making progress / in default, 2 years in: not reported / ≤ 10%; NSLDS AY2016-17, AY2017-18 pooled cohorts measured in 2018-19, 2019-20

Scorecard reports no net price for graduate programs; cost is based on what graduates typically borrowed.