Analysis
Based on similar insurance programs nationwide, Kent State Ashtabula's bachelor's degree carries an estimated $22,394 in debt—slightly below the national median—against first-year earnings around $55,800. That 0.40 debt-to-earnings ratio suggests graduates could reasonably manage repayment while building their careers in risk management, underwriting, or insurance sales. For context, insurance is a relatively niche bachelor's degree with only 65 programs nationally, and Ohio hosts 12 of them, indicating genuine regional demand for these specialized skills.
The caveat here is significant: both earnings and debt figures are estimates derived from peer programs because Kent State Ashtabula's graduate cohort is too small for the Department of Education to publish actual outcomes. This tells you the program is small, which could mean either intimate class sizes and personalized attention, or limited on-campus recruiting and networking opportunities compared to larger insurance hubs. Insurance as a field tends to offer stable, middle-class earnings rather than explosive growth, and the estimated numbers here align with that pattern.
For families weighing this investment, the estimated debt load appears manageable if your student lands in the typical earnings range. But recognize you're making this decision with borrowed data rather than a proven track record from this specific campus. If insurance is the clear career goal, comparing this option to Ohio's other insurance programs—or considering whether a larger Kent State campus might offer more industry connections—would be prudent.
Where Kent State University at Ashtabula Stands
Earnings vs. debt across all insurance bachelors's programs nationally
Compare to Similar Programs Nationally
Insurance bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $7,272 | $55,819* | — | $22,394* | — | |
| $11,205 | $78,796* | $96,327 | $20,500* | 0.26 | |
| $50,110 | $70,752* | $85,642 | $24,125* | 0.34 | |
| $51,340 | $66,523* | $78,262 | $23,016* | 0.35 | |
| $22,082 | $66,080* | $78,623 | $26,000* | 0.39 | |
| $11,180 | $64,131* | $76,315 | $22,394* | 0.35 | |
| National Median | — | $55,819* | — | $22,728* | 0.41 |
Career Paths
Occupations commonly associated with insurance graduates
Compensation and Benefits Managers
Business Teachers, Postsecondary
Insurance Underwriters
Compensation, Benefits, and Job Analysis Specialists
Claims Adjusters, Examiners, and Investigators
Insurance Appraisers, Auto Damage
Insurance Sales Agents
Appraisers of Personal and Business Property
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 Kent State University at Ashtabula, approximately 34% 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 national median of 20 similar programs. Actual outcomes may vary.