Median Earnings (1yr)
$31,448
87th percentile (80th in KY)
Median Debt
$25,724
2% above national median
Debt-to-Earnings
0.82
Manageable
Sample Size
70
Adequate data

Analysis

Northern Kentucky University's Fine and Studio Arts program stands out in a field where financial viability is often questioned. With first-year earnings of $31,448, graduates earn 27% more than their Kentucky peers and outperform 87% of similar programs nationally. That's a meaningful advantage in an art field where the typical graduate earns under $25,000. The debt load of $25,724 translates to a 0.82 debt-to-earnings ratio—manageable territory that suggests most graduates can handle their monthly payments without severe financial strain.

What makes this particularly noteworthy is the trajectory: earnings climb to $34,108 by year four, a 9% gain that runs counter to the stagnation common in many arts programs. While these aren't blockbuster salaries by any measure, they represent real economic stability in greater Cincinnati, where NKU draws much of its talent pool. The program ranks second among Kentucky's public universities for arts earnings, trailing only U of L by about $3,000.

For families worried about the viability of an art degree, this program delivers better-than-expected outcomes. Your child won't get rich, but they're likely to achieve financial independence without drowning in debt—a realistic win for a field driven more by passion than profit potential.

Where Northern Kentucky University Stands

Earnings vs. debt across all fine and studio arts bachelors's programs nationally

Northern Kentucky UniversityOther fine and studio arts 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 $31k, placing them in the 87th percentile of all fine and studio arts 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

Fine and Studio Arts bachelors's programs at peer institutions in Kentucky (25 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Northern Kentucky University$31,448$34,108$25,7240.82
University of Louisville$28,485$38,885$25,0000.88
Western Kentucky University$28,291$23,243$27,0000.95
Eastern Kentucky University$25,596$28,880$27,3751.07
Murray State University$21,715$32,467$24,6191.13
Berea College$20,036———
National Median$24,742—$25,2951.02

Other Fine and Studio Arts Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Louisville
Louisville
$12,828$28,485$25,000
Western Kentucky University
Bowling Green
$11,436$28,291$27,000
Eastern Kentucky University
Richmond
$10,130$25,596$27,375
Murray State University
Murray
$9,708$21,715$24,619
Berea College
Berea
$49,326$20,036—

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 70 graduates with reported earnings and 65 graduates with debt data. Small samples may not be representative.