Based on U.S. Department of Education data (October 2025 release). Some figures are estimates based on similar programs — see details below.
Analysis
A 0.75 debt-to-earnings ratio—$27,000 in debt for first-year earnings around $36,000—looks manageable on paper, but these estimates warrant caution since they're drawn from peer programs rather than Oakwood's actual graduate outcomes. The national benchmark suggests $36,000 as typical for rehabilitation bachelor's programs, though Alabama's own median sits considerably lower at $26,500. Whether Oakwood's graduates track closer to national norms or state outcomes makes a substantial difference in affordability.
The debt estimate comes from similar Oakwood programs rather than rehabilitation specifically, which adds uncertainty. If actual outcomes lean toward Alabama's lower earning pattern while debt remains near $27,000, monthly loan payments could consume a larger share of take-home pay than the ratio suggests. Rehabilitation fields often require additional certifications or graduate credentials for career advancement, potentially delaying earnings growth and making that initial debt load more consequential than for programs with immediate earning potential.
Without program-specific data, you're making a decision based on reasonable assumptions rather than demonstrated results. If your child is committed to rehabilitation work and Oakwood offers strong clinical training opportunities or professional connections in this field, the investment could work—but confirm what percentage of graduates secure relevant jobs and whether those positions typically require further education before accepting anything on faith.
Where Oakwood University Stands
Earnings vs. debt across all rehabilitation and therapeutic professions bachelors's programs nationally
Compare to Similar Programs in Alabama
Rehabilitation and Therapeutic Professions bachelors's programs at peer institutions in Alabama (4 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $21,838 | $35,966* | — | $27,000* | — | |
| $9,792 | $30,184* | — | $29,500* | 0.98 | |
| $11,248 | $22,847* | $37,793 | $33,000* | 1.44 | |
| National Median | — | $35,966* | — | $26,250* | 0.73 |
Career Paths
Occupations commonly associated with rehabilitation and therapeutic professions graduates
Physical Therapists
Occupational Therapists
Low Vision Therapists, Orientation and Mobility Specialists, and Vision Rehabilitation Therapists
Health Specialties Teachers, Postsecondary
Orthotists and Prosthetists
Recreational Therapists
Exercise Physiologists
Rehabilitation Counselors
Medical Appliance Technicians
Engineers, All Other
Energy Engineers, Except Wind and Solar
Mechatronics Engineers
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 Oakwood University, approximately 47% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 57 similar programs. Actual outcomes may vary.