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
Earnings Distribution
How Campbellsville University graduates compare to all programs nationally
Compare to Similar Programs in Kentucky
Cosmetology certificate's programs at peer institutions in Kentucky (27 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $26,990 | $12,486 | — | $12,850 | 1.03 | |
| — | $21,439 | $20,857 | $10,667 | 0.50 | |
| — | $20,033 | $23,572 | $12,583 | 0.63 | |
| — | $19,513 | $18,702 | $8,401 | 0.43 | |
| — | $18,950 | $18,824 | $16,500 | 0.87 | |
| — | $18,408 | $20,474 | $15,765 | 0.86 | |
| National Median | — | $17,113 | — | $9,862 | 0.58 |
Career Paths
Occupations commonly associated with cosmetology graduates
Skincare Specialists
Barbers
Hairdressers, Hairstylists, and Cosmetologists
Manicurists and Pedicurists
Personal Service Managers, All Other
Fitness and Wellness Coordinators
Spa Managers
First-Line Supervisors of Personal Service Workers
Makeup Artists, Theatrical and Performance
Shampooers
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.