Median Earnings (1yr)
$12,486
12th percentile (25th in KY)
Median Debt
$12,850
30% above national median
Debt-to-Earnings
1.03
Elevated
Sample Size
37
Adequate data

Analysis

Campbellsville University's cosmetology certificate presents a troubling financial picture: graduates earn just $12,486 one year after completion—roughly $2,800 below the already-modest Kentucky median and barely 73% of the national benchmark. This places the program in the 12th percentile nationally, meaning 88% of cosmetology programs produce better earnings outcomes. Even among Kentucky's 27 cosmetology programs, it ranks in the bottom quarter. For context, nearby competitors like PJ's College in Bowling Green see graduates earning $21,439—nearly double what Campbellsville graduates report.

The debt load of $12,850 exceeds first-year earnings, creating an immediate financial squeeze. While this debt figure matches the state median and is actually lower than many cosmetology programs nationally, it becomes problematic when paired with such weak earnings. A cosmetology graduate from this program would owe more than they're likely to earn in their first year working in the field—a concerning starting point for a career that typically requires building a clientele over time.

For families considering cosmetology training in Kentucky, this data suggests looking elsewhere. Multiple programs in the state deliver substantially better outcomes without necessarily requiring more debt. The $12,486 median earnings barely exceeds minimum wage work, making it difficult to justify certificate-level debt even at this relatively modest amount.

Where Campbellsville University Stands

Earnings vs. debt across all cosmetology certificate's programs nationally

Campbellsville UniversityOther cosmetology programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Campbellsville University graduates compare to all programs nationally

Campbellsville University graduates earn $12k, placing them in the 12th percentile of all cosmetology certificate programs nationally.

Compare to Similar Programs in Kentucky

Cosmetology certificate's programs at peer institutions in Kentucky (27 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Campbellsville University$12,486—$12,8501.03
PJ's College of Cosmetology-Bowling Green$21,439$20,857$10,6670.50
Paul Mitchell the School-Louisville$20,033$23,572$12,5830.63
Ideal Beauty Academy$19,513$18,702$8,4010.43
Paul Mitchell the School-Lexington$18,950$18,824$16,5000.87
Empire Beauty School-Florence$18,408$20,474$15,7650.86
National Median$17,113—$9,8620.58

Other Cosmetology Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
PJ's College of Cosmetology-Bowling Green
Bowling Green
—$21,439$10,667
Paul Mitchell the School-Louisville
Louisville
—$20,033$12,583
Ideal Beauty Academy
Louisville
—$19,513$8,401
Paul Mitchell the School-Lexington
Lexington
—$18,950$16,500
Empire Beauty School-Florence
Florence
—$18,408$15,765

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 Campbellsville University, approximately 22% 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.

Sample Size: Based on 37 graduates with reported earnings and 50 graduates with debt data. Small samples may not be representative.