Fine and Studio Arts at Northern Kentucky University
Bachelor's Degree
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
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)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Northern Kentucky University | $31,448 | $34,108 | $25,724 | 0.82 |
| University of Louisville | $28,485 | $38,885 | $25,000 | 0.88 |
| Western Kentucky University | $28,291 | $23,243 | $27,000 | 0.95 |
| Eastern Kentucky University | $25,596 | $28,880 | $27,375 | 1.07 |
| Murray State University | $21,715 | $32,467 | $24,619 | 1.13 |
| Berea College | $20,036 | — | — | — |
| National Median | $24,742 | — | $25,295 | 1.02 |
Other Fine and Studio Arts Programs in Kentucky
Compare tuition, earnings, and debt across Kentucky schools
| School | In-State Tuition | Earnings (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.