Analysis
Biology graduates from regional campuses face a challenging reality: based on comparable programs in Indiana, first-year earnings of around $36,000 must cover an estimated debt load of nearly $24,000. That 0.66 debt-to-earnings ratio sits in reasonable territory, but the low absolute salary matters more for day-to-day finances. Monthly loan payments on that debt would consume roughly 10-12% of take-home pay—manageable but tight for someone earning $3,000 monthly before taxes.
The troubling part is what happens next. Similar programs across Indiana suggest earnings that lag behind the state's stronger institutions—Purdue and Indiana State graduates start around $40,000-44,000, a meaningful $4,000-8,000 advantage that compounds over time. Biology bachelor's holders often need additional credentials to access better-paying positions, which means potentially taking on more debt for graduate school while servicing undergraduate loans. The program serves its regional community well, with 35% Pell grant recipients suggesting solid access for first-generation students, but the career trajectory requires careful planning.
If your child is set on biology, understand they're likely looking at graduate school or lateral moves into adjacent fields like sales or lab tech work. The estimated figures here align with state medians, so this isn't an outlier—it's representative of what biology undergrads typically face in Indiana. Make sure they're genuinely committed to the science path and have a clear plan for what comes after graduation.
Where Indiana University-Kokomo Stands
Earnings vs. debt across all biology bachelors's programs nationally
Compare to Similar Programs in Indiana
Biology bachelors's programs at peer institutions in Indiana (42 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $8,179 | $36,161* | — | $23,854* | — | |
| $9,992 | $43,656* | $46,860 | $21,948* | 0.50 | |
| $9,992 | $40,145* | $56,985 | $20,380* | 0.51 | |
| $36,136 | $39,909* | $58,425 | $27,000* | 0.68 | |
| $35,600 | $39,067* | — | $23,250* | 0.60 | |
| $10,136 | $38,985* | $49,171 | $23,375* | 0.60 | |
| National Median | — | $32,316* | — | $25,000* | 0.77 |
Career Paths
Occupations commonly associated with biology graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Medical Scientists, Except Epidemiologists
Biological Science Teachers, Postsecondary
Forensic Science Technicians
Secondary School Teachers, Except Special and Career/Technical Education
Biological Technicians
Agricultural Technicians
Precision Agriculture Technicians
Food Science Technicians
Biological Scientists, All Other
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 Indiana University-Kokomo, approximately 35% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 17 similar programs in IN. Actual outcomes may vary.