Median Earnings (1yr)
$37,634
16th percentile (40th in NC)
Median Debt
$28,712
10% above national median
Debt-to-Earnings
0.76
Manageable
Sample Size
44
Adequate data

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

Chowan UniversityOther business administration, management and operations 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 Chowan University graduates compare to all programs nationally

Chowan University graduates earn $38k, placing them in the 16th percentile of all business administration, management and operations bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

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)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Chowan University$37,634$35,934$28,7120.76
University of North Carolina at Chapel Hill$85,618$105,246$14,3390.17
North Carolina State University at Raleigh$56,877$69,742$20,0000.35
Queens University of Charlotte$54,032$64,491$23,2500.43
Meredith College$48,955$52,241$23,5000.48
University of Mount Olive$48,751$50,645$35,5000.73
National Median$45,703—$26,0000.57

Other Business Administration, Management and Operations Programs in North Carolina

Compare tuition, earnings, and debt across North Carolina schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of North Carolina at Chapel Hill
Chapel Hill
$8,989$85,618$14,339
North Carolina State University at Raleigh
Raleigh
$8,895$56,877$20,000
Queens University of Charlotte
Charlotte
$43,285$54,032$23,250
Meredith College
Raleigh
$43,936$48,955$23,500
University of Mount Olive
Mount Olive
$25,950$48,751$35,500

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.