Analysis
Ottawa University-Online's finance program costs an estimated $25,812 in debt—slightly above the state median—while similar programs in Kansas suggest first-year earnings around $49,975. That puts the debt-to-earnings ratio at 0.52, which falls within manageable territory but doesn't offer much cushion compared to what peer programs deliver. Finance majors from Kansas State and KU report starting salaries $4,500-$8,000 higher, which matters when you're calculating monthly loan payments.
The online format here serves a specific student: likely working adults who need flexibility and can't relocate to Manhattan or Lawrence. For that population, the debt load becomes more workable if they're already employed in financial services and using this degree to advance within their current company. But for a traditional student starting from scratch, comparable programs at state universities appear to produce stronger earnings outcomes at similar or lower debt levels.
With 30% of students receiving Pell grants, Ottawa clearly serves students who need affordable pathways. The challenge is that we're working entirely from estimates—neither the earnings nor debt figures come from this school's actual graduates. Before committing, verify current graduate outcomes directly with the admissions office and compare the total cost of this online program against in-state tuition at public universities. The $6,000 difference in first-year earnings between this program's estimate and what KU graduates report adds up quickly over a career.
Where Ottawa University-Online Stands
Earnings vs. debt across all finance and financial management services bachelors's programs nationally
Compare to Similar Programs in Kansas
Finance and Financial Management Services bachelors's programs at peer institutions in Kansas (16 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| — | $49,975* | — | $25,812* | — | |
| $34,800 | $58,821* | — | $26,959* | 0.46 | |
| $11,700 | $57,884* | $66,001 | $20,354* | 0.35 | |
| $10,942 | $54,509* | $63,146 | $24,990* | 0.46 | |
| $8,008 | $50,450* | $56,556 | $21,875* | 0.43 | |
| $9,578 | $49,500* | $59,834 | $21,136* | 0.43 | |
| National Median | — | $53,590* | — | $23,332* | 0.44 |
Career Paths
Occupations commonly associated with finance and financial management services graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Chief Executives
Chief Sustainability Officers
General and Operations Managers
Personal Financial Advisors
Financial and Investment Analysts
Financial Risk Specialists
Budget Analysts
Business Teachers, Postsecondary
Insurance Underwriters
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 Ottawa University-Online, approximately 30% 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 median of 8 similar programs in KS. Actual outcomes may vary.