Median Earnings (1yr)
$25,914
16th percentile (40th in KY)
Median Debt
$24,475
2% below national median
Debt-to-Earnings
0.94
Manageable
Sample Size
25
Limited data

Analysis

Murray State's biology program starts graduates at just $25,914—substantially below both Kentucky's median ($27,454) and the national average ($32,316). While the program ranks at the 40th percentile statewide, the gap between Murray State and Kentucky's top biology programs is stark: Northern Kentucky University graduates earn 50% more right out of the gate. The debt load of $24,475 is reasonable, creating a nearly 1:1 debt-to-earnings ratio that means graduates face a full year's salary in loans while earning less than most entry-level positions typically pay.

The 55% earnings jump to $40,116 by year four offers some reassurance that biology graduates eventually reach more sustainable income levels. However, this data comes from fewer than 30 graduates, making it difficult to know whether these numbers represent a reliable pattern or just reflect a handful of individual outcomes. Biology is already a challenging major for immediate financial returns—most lucrative paths require graduate education—and Murray State's graduates appear to start further behind their peers.

For families considering this program, the low first-year earnings combined with below-average starting salaries compared to other Kentucky schools creates genuine financial strain during those critical early career years. Unless your student plans to immediately pursue graduate school (where those first-year earnings matter less), stronger biology programs exist within Kentucky at similar or only slightly higher debt levels.

Where Murray State University Stands

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

Murray State UniversityOther biology 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 Murray State University graduates compare to all programs nationally

Murray State University graduates earn $26k, placing them in the 16th percentile of all biology 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 Kentucky

Biology bachelors's programs at peer institutions in Kentucky (25 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Murray State University$25,914$40,116$24,4750.94
Northern Kentucky University$38,970$43,852$23,9500.61
University of Kentucky$31,360$44,651$23,2500.74
Western Kentucky University$29,945$40,022$22,5000.75
Bellarmine University$29,253$49,960$27,0000.92
University of Pikeville$28,699$27,273$21,1280.74
National Median$32,316—$25,0000.77

Other Biology Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Northern Kentucky University
Highland Heights
$10,896$38,970$23,950
University of Kentucky
Lexington
$13,212$31,360$23,250
Western Kentucky University
Bowling Green
$11,436$29,945$22,500
Bellarmine University
Louisville
$47,180$29,253$27,000
University of Pikeville
Pikeville
$24,150$28,699$21,128

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 Murray State University, approximately 31% 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 25 graduates with reported earnings and 44 graduates with debt data. Small samples may not be representative.