Median Earnings (1yr)
$50,457
33rd percentile
60th percentile in Kentucky
Median Debt
$25,287
8% above national median

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

Earnings Distribution

How Northern Kentucky University graduates compare to all programs nationally

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

School1 Year4 YearsGrowth
Northern Kentucky University$50,457$62,699+24%
University of Kentucky$58,422$71,215+22%
University of Louisville$52,167$63,447+22%
Western Kentucky University$44,355$56,321+27%
Murray State University$43,320$46,651+8%

Compare to Similar Programs in Kentucky

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

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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Northern Kentucky UniversityHighland Heights$10,896$50,457$62,699$25,2870.50
University of KentuckyLexington$13,212$58,422$71,215$22,3750.38
University of LouisvilleLouisville$12,828$52,167$63,447$22,5000.43
Western Kentucky UniversityBowling Green$11,436$44,355$56,321$19,5000.44
Murray State UniversityMurray$9,708$43,320$46,651$21,5000.50
Morehead State UniversityMorehead$9,838$41,360$41,590
National Median$53,590$23,3320.44

Career Paths

Occupations commonly associated with finance and financial management services graduates

Financial Managers

Plan, direct, or coordinate accounting, investing, banking, insurance, securities, and other financial activities of a branch, office, or department of an establishment.

$161,700/yrJobs growth:Bachelor's degree

Treasurers and Controllers

Direct financial activities, such as planning, procurement, and investments for all or part of an organization.

$161,700/yrJobs growth:Bachelor's degree

Investment Fund Managers

Plan, direct, or coordinate investment strategy or operations for a large pool of liquid assets supplied by institutional investors or individual investors.

$161,700/yrJobs growth:Bachelor's degree

Chief Executives

Determine and formulate policies and provide overall direction of companies or private and public sector organizations within guidelines set up by a board of directors or similar governing body. Plan, direct, or coordinate operational activities at the highest level of management with the help of subordinate executives and staff managers.

$105,350/yrJobs growth:Bachelor's degree

Chief Sustainability Officers

Communicate and coordinate with management, shareholders, customers, and employees to address sustainability issues. Enact or oversee a corporate sustainability strategy.

$105,350/yrJobs growth:Bachelor's degree

General and Operations Managers

Plan, direct, or coordinate the operations of public or private sector organizations, overseeing multiple departments or locations. Duties and responsibilities include formulating policies, managing daily operations, and planning the use of materials and human resources, but are too diverse and general in nature to be classified in any one functional area of management or administration, such as personnel, purchasing, or administrative services. Usually manage through subordinate supervisors. Excludes First-Line Supervisors.

$105,350/yrJobs growth:Bachelor's degree

Personal Financial Advisors

Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.

$102,140/yrJobs growth:Bachelor's degree

Financial and Investment Analysts

Conduct quantitative analyses of information involving investment programs or financial data of public or private institutions, including valuation of businesses.

$101,910/yrJobs growth:Bachelor's degree

Financial Risk Specialists

Analyze and measure exposure to credit and market risk threatening the assets, earning capacity, or economic state of an organization. May make recommendations to limit risk.

$101,910/yrJobs growth:Bachelor's degree

Budget Analysts

Examine budget estimates for completeness, accuracy, and conformance with procedures and regulations. Analyze budgeting and accounting reports.

$87,930/yrJobs growth:Bachelor's degree

Business Teachers, Postsecondary

Teach courses in business administration and management, such as accounting, finance, human resources, labor and industrial relations, marketing, and operations research. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Insurance Underwriters

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

$79,880/yrJobs growth:Bachelor's degree
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.