Analysis
The unusual earnings trajectory here tells an important story: Concordia's Religious Education graduates earn $55,023 in their first year—ranking in the 95th percentile nationally and far exceeding the typical $32,276 for this field—but those same graduates see their income drop to $37,481 by year four. This pattern likely reflects many graduates taking initial church ministry positions that offer modest but stable salaries, then potentially transitioning to teaching roles or other educational positions that may pay less but offer different benefits or lifestyle advantages.
With $29,000 in debt, graduates face manageable payments initially, especially when that 0.53 debt-to-earnings ratio is calculated against first-year income. However, the significant earnings decline changes the math: by year four, that same debt burden becomes heavier relative to actual take-home pay. The program clearly prepares students well for immediate church ministry work, but families should understand that religious education careers often prioritize mission over income growth.
The small sample size (under 30 graduates) means these figures could shift considerably year to year, but the broader trend is consistent with religious education career paths nationwide. If your child feels called to ministry work and understands they're optimizing for purpose rather than peak earnings, Concordia delivers strong preparation and places graduates successfully into their first positions. Just ensure the debt level aligns with realistic expectations about mid-career income in this field.
Where Concordia University-Nebraska Stands
Earnings vs. debt across all religious education bachelors's programs nationally
Earnings Distribution
How Concordia University-Nebraska 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 |
|---|---|---|---|
| Concordia University-Nebraska | $55,023 | $37,481 | -32% |
| Trinity International University-Florida | $31,903 | $44,286 | +39% |
| Trinity International University-Illinois | $31,903 | $44,286 | +39% |
| Dallas Baptist University | $32,426 | $43,798 | +35% |
| Crown College | $32,276 | $39,023 | +21% |
Compare to Similar Programs Nationally
Religious Education bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $39,330 | $55,023 | $37,481 | $29,000 | 0.53 | |
| $17,450 | $37,273 | $35,667 | $35,436 | 0.95 | |
| $32,630 | $35,803 | $37,683 | $26,980 | 0.75 | |
| $34,800 | $35,133 | — | $24,625 | 0.70 | |
| $14,992 | $33,308 | — | $30,750 | 0.92 | |
| $38,140 | $32,426 | $43,798 | $21,500 | 0.66 | |
| National Median | — | $32,276 | — | $25,937 | 0.80 |
Career Paths
Occupations commonly associated with religious education graduates
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 Concordia University-Nebraska, approximately 11% 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 22 graduates with reported earnings and 19 graduates with debt data. Small samples may not be representative.