Finance and Financial Management Services at Northern Arizona University
Bachelor's Degree
Analysis
Northern Arizona University's finance program delivers solid outcomes nationally but lags behind what you'd expect in Arizona. At $53,962 in first-year earnings, graduates earn close to the national median but fall $9,000 below Arizona's median—placing this program in just the 40th percentile statewide. When U of A and ASU graduates start at $63,000-$66,000, that gap matters for students staying in-state.
The debt situation offers some relief: at $20,594, it's lighter than the national median and translates to a manageable 0.38 debt-to-earnings ratio. Graduates should be able to handle loan payments without excessive strain. The 15% earnings bump to $62,091 after four years shows reasonable career progression, though it doesn't close the gap with Arizona's top programs.
The practical question comes down to cost. If your child qualifies for in-state tuition and keeps borrowing modest, this program works as an affordable entry point into finance careers. But if competing offers from ASU or U of A come with similar net costs, those programs deliver meaningfully stronger early earnings. The 91% admission rate suggests NAU is accessible, but that same accessibility hasn't translated into the earning power Arizona's competitive finance job market typically rewards.
Where Northern Arizona University Stands
Earnings vs. debt across all finance and financial management services 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 Northern Arizona University graduates compare to all programs nationally
Northern Arizona University graduates earn $54k, placing them in the 51th percentile of all finance and financial management services 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 Arizona
Finance and Financial Management Services bachelors's programs at peer institutions in Arizona (5 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Northern Arizona University | $53,962 | $62,091 | $20,594 | 0.38 |
| University of Phoenix-Arizona | $70,963 | $59,017 | $48,469 | 0.68 |
| University of Arizona | $66,427 | $84,392 | $20,628 | 0.31 |
| Arizona State University Campus Immersion | $63,054 | $75,397 | $18,000 | 0.29 |
| Grand Canyon University | $53,853 | $71,406 | $27,000 | 0.50 |
| National Median | $53,590 | — | $23,332 | 0.44 |
Other Finance and Financial Management Services Programs in Arizona
Compare tuition, earnings, and debt across Arizona schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| University of Phoenix-Arizona Phoenix | $9,552 | $70,963 | $48,469 |
| University of Arizona Tucson | $13,626 | $66,427 | $20,628 |
| Arizona State University Campus Immersion Tempe | $12,051 | $63,054 | $18,000 |
| Grand Canyon University Phoenix | $17,450 | $53,853 | $27,000 |
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 Northern Arizona University, approximately 30% 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 180 graduates with reported earnings and 182 graduates with debt data. Small samples may not be representative.