Analysis
Berea College's distinctive tuition-free model makes interpreting these numbers essential. While the estimated $26,000 in debt—based on comparable Kentucky programs—might seem significant, context matters enormously here. Berea accepts no tuition from its students (81% are Pell-eligible), so this debt likely reflects living expenses and books rather than institutional charges. That fundamentally changes the value equation compared to typical business programs.
The earnings tell a more straightforward story. First-year graduates earn $44,627, which lands in the middle of Kentucky's business programs but trails the national median by about $3,000. Growth to $52,009 by year four is steady but not exceptional. What's particularly relevant: Berea sits well below Kentucky's strongest business programs—Sullivan and UK graduates earn $11,000-$5,000 more right out of the gate. For a selective school (33% admission rate, solid SAT scores), these outcomes suggest the program may not be maximizing its students' earning potential.
The practical takeaway: If your child has Berea's no-tuition offer in hand, that estimated debt burden is likely lower than it appears since it doesn't include the typical $40,000-$80,000 in tuition charges most private colleges would add. The bigger question is whether the earnings trajectory—middle-of-the-pack in Kentucky—provides enough financial momentum. Compare actual aid packages and net costs from competing schools before deciding whether Berea's unique mission aligns with your child's career goals.
Where Berea College Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
Earnings Distribution
How Berea College graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Berea College | $44,627 | $52,009 | +17% |
| Transylvania University | $31,614 | $64,225 | +103% |
| Northern Kentucky University | $48,654 | $61,090 | +26% |
| Sullivan University | $56,432 | $59,618 | +6% |
| University of Kentucky | $49,431 | $59,354 | +20% |
Compare to Similar Programs in Kentucky
Business/Commerce bachelors's programs at peer institutions in Kentucky (21 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $49,326 | $44,627 | $52,009 | $26,000* | — | |
| $14,220 | $56,432 | $59,618 | $43,625* | 0.77 | |
| $13,212 | $49,431 | $59,354 | $23,055* | 0.47 | |
| $10,896 | $48,654 | $61,090 | $30,750* | 0.63 | |
| $27,850 | $47,596 | $47,782 | $31,000* | 0.65 | |
| $9,875 | $46,242 | $51,203 | $21,219* | 0.46 | |
| National Median | — | $47,506 | — | $26,000* | 0.55 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 Berea College, approximately 81% 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.