Analysis
Chowan's business program sits squarely in the middle of North Carolina's offerings—40th percentile statewide—but that middle ground comes with concerning numbers. Graduates earn $37,634 in their first year, about $5,700 below the state median and nearly $8,000 below the national average for business degrees. More troubling, earnings actually decline to $35,934 by year four, a pattern that suggests limited career advancement despite accumulating $28,712 in debt.
The debt load itself isn't extreme at 76% of first-year earnings, but paired with stagnant income, it becomes harder to justify. A graduate from NC State or UNC-Chapel Hill earns $20,000-$48,000 more annually—enough to offset any tuition premium within a few years. Even mid-tier programs like University of Mount Olive deliver significantly stronger outcomes. Chowan serves a predominantly Pell-eligible student body (61%), which makes affordability critical, yet these graduates face years of loan payments without the salary growth typically expected from a business degree.
If your child is considering Chowan, treat the $28,712 in projected debt as the true price tag—one that buys below-average earning power in a state with much stronger options. Unless there are compelling personal reasons to attend (location, family circumstances, guaranteed transfer pathway), explore other NC business programs where graduates see both higher starting salaries and actual income growth over time.
Where Chowan University Stands
Earnings vs. debt across all business administration, management and operations bachelors's programs nationally
Earnings Distribution
How Chowan University 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 |
|---|---|---|---|
| Chowan University | $37,634 | $35,934 | -5% |
| University of North Carolina at Chapel Hill | $85,618 | $105,246 | +23% |
| North Carolina State University at Raleigh | $56,877 | $69,742 | +23% |
| Queens University of Charlotte | $54,032 | $64,491 | +19% |
| University of North Carolina Wilmington | $48,369 | $63,879 | +32% |
Compare to Similar Programs in North Carolina
Business Administration, Management and Operations bachelors's programs at peer institutions in North Carolina (52 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $27,110 | $37,634 | $35,934 | $28,712 | 0.76 | |
| $8,989 | $85,618 | $105,246 | $14,339 | 0.17 | |
| $8,895 | $56,877 | $69,742 | $20,000 | 0.35 | |
| $43,285 | $54,032 | $64,491 | $23,250 | 0.43 | |
| $43,936 | $48,955 | $52,241 | $23,500 | 0.48 | |
| $25,950 | $48,751 | $50,645 | $35,500 | 0.73 | |
| National Median | — | $45,703 | — | $26,000 | 0.57 |
Career Paths
Occupations commonly associated with business administration, management and operations graduates
Computer and Information Systems Managers
Architectural and Engineering Managers
Biofuels/Biodiesel Technology and Product Development Managers
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Compensation and Benefits Managers
Human Resources Managers
Sales Managers
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 Chowan University, approximately 61% 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 44 graduates with reported earnings and 48 graduates with debt data. Small samples may not be representative.