Finance and Financial Management Services at Northern Kentucky University
Bachelor's Degree
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
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)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Northern Kentucky University | $50,457 | $62,699 | $25,287 | 0.50 |
| University of Kentucky | $58,422 | $71,215 | $22,375 | 0.38 |
| University of Louisville | $52,167 | $63,447 | $22,500 | 0.43 |
| Western Kentucky University | $44,355 | $56,321 | $19,500 | 0.44 |
| Murray State University | $43,320 | $46,651 | $21,500 | 0.50 |
| Morehead State University | $41,360 | $41,590 | — | — |
| National Median | $53,590 | — | $23,332 | 0.44 |
Other Finance and Financial Management Services Programs in Kentucky
Compare tuition, earnings, and debt across Kentucky schools
| School | In-State Tuition | Earnings (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.