Special Education and Teaching at Murray State University
Bachelor's Degree
Analysis
Murray State's special education program produces graduates earning around $36,000 annually—about $8,000 below the national median and $2,600 below Kentucky's typical special education graduate. More concerning, earnings actually decline slightly over the first four years, while graduates from Kentucky's stronger programs like UK and Bellarmine start $4,000-5,000 higher and maintain upward trajectories. The school ranks in just the 5th percentile nationally, though it performs closer to the middle of Kentucky's pack at the 40th percentile, which reflects the state's overall lower salary scale for special educators.
The debt picture offers some relief: at $21,000, graduates borrow about $6,000 less than Kentucky's median and considerably less than the national average. This keeps the debt-to-earnings ratio manageable at 0.57, meaning graduates can theoretically pay off their loans with about seven months of gross earnings. For a teaching career with relatively predictable public school salaries, this represents a reasonable financial burden even with below-average starting pay.
For families committed to special education teaching in Kentucky, this program won't saddle graduates with crippling debt, and the salary gap narrows when compared to in-state alternatives rather than national benchmarks. However, parents should know their child will likely start their career earning $4,000-5,000 less annually than graduates from Kentucky's top-tier programs—a meaningful difference on a teacher's salary that persists throughout the early career years.
Where Murray State University Stands
Earnings vs. debt across all special education and teaching bachelors's programs nationally
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 $36k, placing them in the 5th percentile of all special education and teaching 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
Special Education and Teaching bachelors's programs at peer institutions in Kentucky (14 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Murray State University | $36,197 | $35,517 | $20,775 | 0.57 |
| University of Kentucky | $41,217 | $44,843 | $26,500 | 0.64 |
| Bellarmine University | $40,785 | $39,983 | $27,000 | 0.66 |
| Northern Kentucky University | $40,333 | — | $30,750 | 0.76 |
| Western Kentucky University | $38,807 | — | $27,000 | 0.70 |
| Eastern Kentucky University | $38,485 | $38,073 | $28,381 | 0.74 |
| National Median | $44,139 | — | $26,717 | 0.61 |
Other Special Education and Teaching Programs in Kentucky
Compare tuition, earnings, and debt across Kentucky schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| University of Kentucky Lexington | $13,212 | $41,217 | $26,500 |
| Bellarmine University Louisville | $47,180 | $40,785 | $27,000 |
| Northern Kentucky University Highland Heights | $10,896 | $40,333 | $30,750 |
| Western Kentucky University Bowling Green | $11,436 | $38,807 | $27,000 |
| Eastern Kentucky University Richmond | $10,130 | $38,485 | $28,381 |
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 33 graduates with reported earnings and 33 graduates with debt data. Small samples may not be representative.