Median Earnings (1yr)
$44,564
45th percentile (60th in KY)
Median Debt
$20,500
21% below national median
Debt-to-Earnings
0.46
Manageable
Sample Size
62
Adequate data

Analysis

Northern Kentucky University's business program lands right in the middle of the pack nationally but punches above its weight within Kentucky, ranking in the 60th percentile among state programs. Starting at $44,564, graduates earn slightly below the national median but notably above Kentucky's $41,665 average. The stronger signal here is the 23% earnings growth to $54,581 by year four—indicating solid career progression that moves graduates well past both national and state benchmarks over time.

The $20,500 debt load is a genuine bright spot, coming in about 20% below both Kentucky and national medians. This creates a manageable debt-to-earnings ratio of 0.46, meaning graduates owe less than half their first year's salary. For a highly accessible school (96% admission rate serving a quarter of its students on Pell grants), this combination of reasonable debt and steady earnings growth represents sound value.

The gap to Kentucky's top business programs is significant—Asbury and Thomas More graduates earn 40-50% more—but those schools likely select different student populations and may carry higher price tags. For families prioritizing affordability at a regional public university, NKU delivers what matters most: manageable debt that students can reasonably pay down while their careers gain momentum. This won't catapult graduates into six figures, but it provides solid financial footing without the burden that derails many young careers.

Where Northern Kentucky University Stands

Earnings vs. debt across all business administration, management and operations bachelors's programs nationally

Northern Kentucky UniversityOther business administration, management and operations 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 Northern Kentucky University graduates compare to all programs nationally

Northern Kentucky University graduates earn $45k, placing them in the 45th percentile of all business administration, management and operations 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

Business Administration, Management and Operations bachelors's programs at peer institutions in Kentucky (27 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Northern Kentucky University$44,564$54,581$20,5000.46
Asbury University$67,117—$16,1250.24
Thomas More University$63,458$64,305$38,3630.60
Sullivan University$46,483$52,010$47,1491.01
Western Kentucky University$44,498$47,395$25,3200.57
Eastern Kentucky University$43,055$55,383$26,5000.62
National Median$45,703—$26,0000.57

Other Business Administration, Management and Operations Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Asbury University
Wilmore
$33,640$67,117$16,125
Thomas More University
Crestview Hills
$38,400$63,458$38,363
Sullivan University
Louisville
$14,220$46,483$47,149
Western Kentucky University
Bowling Green
$11,436$44,498$25,320
Eastern Kentucky University
Richmond
$10,130$43,055$26,500

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 Kentucky University, approximately 24% 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 62 graduates with reported earnings and 58 graduates with debt data. Small samples may not be representative.