Median Earnings (1yr)
$39,242
53rd percentile
Median Debt
$40,375
52% above national median
Debt-to-Earnings
1.03
Elevated
Sample Size
16
Limited data

Analysis

Harding's education program charges significantly more than typical Arkansas education programs—$40,375 in median debt versus the state median of $33,448—yet graduates earn about $4,000 more than the state median of $35,155. That's not a terrible tradeoff in absolute terms, but it means new teachers are graduating with debt roughly equal to their entire first-year salary. For a profession known for modest starting pay and predictable salary schedules, this debt load will shape daily financial reality for years.

The earnings here outpace both state and national medians, placing graduates in the 60th percentile among Arkansas education programs. However, context matters: the highest-earning education program listed in Arkansas (University of Arkansas) shows lower earnings, which might reflect reporting quirks rather than genuine quality differences. The more concerning comparison is the debt—Harding ranks in just the 5th percentile nationally, meaning 95% of education programs send graduates out with less debt burden.

Given the small sample size, these numbers could shift substantially year to year. Still, the pattern is clear: families will pay private-school prices for outcomes that, while slightly above state averages, don't dramatically change the entry-level teacher salary equation. Unless your family values Harding's specific mission or campus culture very highly, Arkansas offers more affordable paths into teaching careers.

Where Harding University Stands

Earnings vs. debt across all education bachelors's programs nationally

Harding UniversityOther education 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 Harding University graduates compare to all programs nationally

Harding University graduates earn $39k, placing them in the 53th percentile of all education bachelors programs nationally.

Compare to Similar Programs in Arkansas

Education bachelors's programs at peer institutions in Arkansas (5 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Harding University$39,242—$40,3751.03
University of Arkansas$31,068$43,274$26,5220.85
National Median$38,660—$26,5220.69

Other Education Programs in Arkansas

Compare tuition, earnings, and debt across Arkansas schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Arkansas
Fayetteville
$9,748$31,068$26,522

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 Harding University, approximately 19% 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 16 graduates with reported earnings and 21 graduates with debt data. Small samples may not be representative.