Median Earnings (1yr)
$30,996
10th percentile (10th in NC)
Median Debt
$25,500
6% above national median
Debt-to-Earnings
0.82
Manageable
Sample Size
160
Adequate data

Analysis

Johnson & Wales University-Charlotte's entrepreneurship program graduates earn $30,996 in their first year—roughly $16,000 less than the typical North Carolina graduate in this field and $14,000 below the national median. This places the program at the bottom 10th percentile both statewide and nationally, meaning nine out of ten comparable programs produce better-earning graduates. For context, Elon University's entrepreneurship graduates in North Carolina start at $62,626, more than double what JWU-Charlotte delivers.

The 24% earnings growth to $38,456 by year four offers some recovery, but still leaves graduates well below where most entrepreneurship programs start their alumni. The $25,500 debt load is close to national norms, which means the real problem isn't excessive borrowing—it's that the earnings simply don't justify a four-year degree investment. With a debt-to-earnings ratio of 0.82, graduates are carrying nearly a full year's salary in student loans, making financial independence after graduation difficult.

For families considering this program, the numbers suggest other paths to entrepreneurship—whether a stronger business program elsewhere, community college followed by transfer, or going directly into small business work—would likely serve better. When a program ranks in the bottom tenth among its peers, that's not a minor difference worth overlooking for other factors; it's a fundamental value gap.

Where Johnson & Wales University-Charlotte Stands

Earnings vs. debt across all entrepreneurial and small business operations bachelors's programs nationally

Johnson & Wales University-CharlotteOther entrepreneurial and small business 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 Johnson & Wales University-Charlotte graduates compare to all programs nationally

Johnson & Wales University-Charlotte graduates earn $31k, placing them in the 10th percentile of all entrepreneurial and small business 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

Entrepreneurial and Small Business Operations bachelors's programs at peer institutions in North Carolina (11 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Johnson & Wales University-Charlotte$30,996$38,456$25,5000.82
Elon University$62,626———
National Median$45,265—$24,1250.53

Other Entrepreneurial and Small Business Operations Programs in North Carolina

Compare tuition, earnings, and debt across North Carolina schools

SchoolIn-State TuitionEarnings (1yr)Debt
Elon University
Elon
$44,536$62,626—

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 Johnson & Wales University-Charlotte, approximately 52% 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 160 graduates with reported earnings and 175 graduates with debt data. Small samples may not be representative.