Analysis
Oral Roberts University's theology program produces earnings that trail the national median by $5,000 annually while carrying above-average debt. Starting at $27,088, graduates earn less than 79% of theology majors nationwide, ranking in just the 21st percentile nationally. The debt load of $30,750 exceeds the national median by $5,000, creating a first-year debt-to-earnings ratio of 1.14—manageable but tight for a ministry-focused field where additional graduate training is often expected.
Within Oklahoma, the picture is more neutral. This program sits squarely at the state median for both earnings and debt, performing comparably to other in-state theology programs. The 20% earnings growth to $32,554 by year four helps close the gap with national figures, though graduates still lag behind peers at other institutions. For students committed to ministry careers and planning to stay in Oklahoma, where these earnings align with local standards, the program functions adequately.
The real question is opportunity cost. With a 99% admission rate and modest academic profile, families should weigh whether this investment serves their student's calling better than alternative paths—including starting at a community college before transferring, or choosing programs with stronger earning outcomes if ministry roles requiring higher credentials are the goal. The debt is serviceable but leaves little margin for error in a field with limited financial upside.
Where Oral Roberts University Stands
Earnings vs. debt across all theological and ministerial studies bachelors's programs nationally
Earnings Distribution
How Oral Roberts University graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Oral Roberts University | $27,088 | $32,554 | +20% |
| Nazarene Bible College | $40,357 | $51,692 | +28% |
| University of Valley Forge | $25,051 | $48,764 | +95% |
| University of Notre Dame | $45,874 | $46,078 | +0% |
| The Master's University and Seminary | $43,677 | $44,574 | +2% |
Compare to Similar Programs in Oklahoma
Theological and Ministerial Studies bachelors's programs at peer institutions in Oklahoma (6 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $34,100 | $27,088 | $32,554 | $30,750 | 1.14 | |
| $19,896 | $27,391 | — | $41,422 | 1.51 | |
| National Median | — | $32,211 | — | $25,750 | 0.80 |
Career Paths
Occupations commonly associated with theological and ministerial studies graduates
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 Oral Roberts University, approximately 34% 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 48 graduates with reported earnings and 70 graduates with debt data. Small samples may not be representative.