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
Earnings Distribution
How Murray State University graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Murray State University | $25,914 | $40,116 | +55% |
| Bellarmine University | $29,253 | $49,960 | +71% |
| Morehead State University | $22,572 | $49,734 | +120% |
| University of Louisville | $27,123 | $45,398 | +67% |
| University of Kentucky | $31,360 | $44,651 | +42% |
Compare to Similar Programs in Kentucky
Biology bachelors's programs at peer institutions in Kentucky (25 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $9,708 | $25,914 | $40,116 | $24,475 | 0.94 | |
| $10,896 | $38,970 | $43,852 | $23,950 | 0.61 | |
| $13,212 | $31,360 | $44,651 | $23,250 | 0.74 | |
| $11,436 | $29,945 | $40,022 | $22,500 | 0.75 | |
| $47,180 | $29,253 | $49,960 | $27,000 | 0.92 | |
| $24,150 | $28,699 | $27,273 | $21,128 | 0.74 | |
| 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 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.