Median Earnings (1yr)
$50,457
33rd percentile (60th in KY)
Median Debt
$25,287
8% above national median
Debt-to-Earnings
0.50
Manageable
Sample Size
82
Adequate data

Analysis

Northern Kentucky University's finance program sits in an interesting position: while it trails the national median by about $3,000 in starting salary, it ranks in the 60th percentile among Kentucky programs—meaning it outperforms most in-state alternatives. Graduates start at $50,457 and see solid progression to $62,699 by year four, a 24% increase that suggests genuine career momentum. The debt load of $25,287 translates to a 0.50 ratio against first-year earnings, which keeps monthly payments manageable even at the starting salary.

For Kentucky families, this matters because the program delivers above-average in-state outcomes at below-average cost. You're getting University of Louisville-adjacent results (just $1,500 less in starting pay) while likely paying significantly less in tuition at NKU. The program underperforms compared to University of Kentucky's finance grads, who start at $58,000, but that's an expected premium for the state's flagship program.

The practical reality: your child graduates with debt they can reasonably service on their starting salary, and they're positioned better than most Kentucky finance grads for career growth. If they're staying in the region and want to work in Cincinnati's financial services sector—NKU's natural market—this represents solid value without the admissions pressure or debt load of more selective programs.

Where Northern Kentucky University Stands

Earnings vs. debt across all finance and financial management services bachelors's programs nationally

Northern Kentucky UniversityOther finance and financial management services 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 $50k, placing them in the 33th 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 Kentucky

Finance and Financial Management Services bachelors's programs at peer institutions in Kentucky (11 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Northern Kentucky University$50,457$62,699$25,2870.50
University of Kentucky$58,422$71,215$22,3750.38
University of Louisville$52,167$63,447$22,5000.43
Western Kentucky University$44,355$56,321$19,5000.44
Murray State University$43,320$46,651$21,5000.50
Morehead State University$41,360$41,590——
National Median$53,590—$23,3320.44

Other Finance and Financial Management Services Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Kentucky
Lexington
$13,212$58,422$22,375
University of Louisville
Louisville
$12,828$52,167$22,500
Western Kentucky University
Bowling Green
$11,436$44,355$19,500
Murray State University
Murray
$9,708$43,320$21,500
Morehead State University
Morehead
$9,838$41,360—

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.