Analysis
A debt load of roughly $26,000 for a finance degree sits right at the national median for this credential, but the earnings picture tells a more nuanced story. Based on comparable finance programs across New York, first-year earnings around $51,000 would put graduates at the state median—solidly middle-of-the-pack. This represents reasonable value when debt equals about half of first-year income, a manageable ratio that should allow for steady repayment within standard timelines.
The challenge becomes clearer when looking at New York's finance landscape. Programs at schools like Fordham, Binghamton, and Syracuse produce graduates earning $70,000-$84,000 in their first year—a substantial premium over what similar programs to Nazareth's typically deliver. That $20,000-$30,000 gap compounds over a career and reflects real differences in recruiting pipelines, alumni networks, and employer perception within financial services. Rochester's competitive market includes several programs with stronger placement outcomes.
For families weighing this investment: the estimated figures suggest a financially survivable outcome rather than a standout one. If your child has admission options at New York's higher-performing finance programs—especially the public universities offering better earnings at similar or lower debt—those warrant serious consideration. However, if Nazareth offers meaningful merit aid or represents the best fit among realistic choices, the underlying fundamentals aren't alarming. Just recognize you're likely paying for a regional finance credential, not a ticket to Wall Street.
Where Nazareth University Stands
Earnings vs. debt across all finance and financial management services bachelors's programs nationally
Compare to Similar Programs in New York
Finance and Financial Management Services bachelors's programs at peer institutions in New York (47 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $40,880 | $51,244* | — | $25,722* | — | |
| $61,992 | $83,789* | $112,777 | $26,850* | 0.32 | |
| $10,363 | $73,598* | $94,174 | $15,000* | 0.20 | |
| $63,061 | $72,819* | $91,086 | $27,000* | 0.37 | |
| $51,424 | $61,246* | $81,127 | $26,000* | 0.42 | |
| $57,016 | $56,513* | $86,145 | $23,250* | 0.41 | |
| National Median | — | $53,590* | — | $23,332* | 0.44 |
Career Paths
Occupations commonly associated with finance and financial management services graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Chief Executives
Chief Sustainability Officers
General and Operations Managers
Personal Financial Advisors
Financial and Investment Analysts
Financial Risk Specialists
Budget Analysts
Business Teachers, Postsecondary
Insurance Underwriters
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 Nazareth University, approximately 26% 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 median of 27 similar programs in NY. Actual outcomes may vary.