Median Earnings (1yr)
$23,710
5th percentile (40th in FL)
Median Debt
$21,900
12% below national median
Debt-to-Earnings
0.92
Manageable
Sample Size
486
Adequate data

Analysis

UCF's biology program shows a troubling pattern that should concern parents: graduates start with poverty-level wages of $23,710—placing the program in just the 5th percentile nationally. While earnings do climb substantially to $37,529 by year four (a 58% increase), this "fast riser" trajectory means your child will likely struggle financially in those crucial early career years. The debt load of $21,900 is manageable compared to national averages, but when paired with such low starting salaries, it creates a debt-to-earnings ratio that's uncomfortably high at 0.92.

The state comparison offers little comfort. UCF's biology graduates earn significantly less than peers at community colleges like St. Petersburg College ($37,741) and Miami Dade College ($34,568), and fall well below the Florida median of $27,034. This performance ranks UCF at just the 40th percentile among Florida's 38 biology programs—mediocre for a major state research university.

For parents considering this investment, the key question is whether your child can weather those lean early years while debt payments kick in. The strong earnings growth suggests the program does build valuable skills over time, but the immediate post-graduation financial reality could force difficult decisions about graduate school, living situations, or career pivots. Consider whether your child has family financial support or if they're exploring more specialized biology tracks that might command higher starting salaries.

Where University of Central Florida Stands

Earnings vs. debt across all biology bachelors's programs nationally

University of Central FloridaOther biology 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 University of Central Florida graduates compare to all programs nationally

University of Central Florida graduates earn $24k, placing them in the 5th percentile of all biology 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 Florida

Biology bachelors's programs at peer institutions in Florida (38 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Central Florida$23,710$37,529$21,9000.92
St Petersburg College$37,741—$40,9161.08
Miami Dade College$34,568—$13,7500.40
Keiser University-Ft Lauderdale$34,287—$39,0001.14
Florida Agricultural and Mechanical University$34,012$42,723$28,1250.83
The University of Tampa$32,909—$26,0000.79
National Median$32,316—$25,0000.77

Other Biology Programs in Florida

Compare tuition, earnings, and debt across Florida schools

SchoolIn-State TuitionEarnings (1yr)Debt
St Petersburg College
St. Petersburg
$2,682$37,741$40,916
Miami Dade College
Miami
$2,838$34,568$13,750
Keiser University-Ft Lauderdale
Fort Lauderdale
$24,136$34,287$39,000
Florida Agricultural and Mechanical University
Tallahassee
$5,785$34,012$28,125
The University of Tampa
Tampa
$33,424$32,909$26,000

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 University of Central Florida, approximately 33% 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 486 graduates with reported earnings and 533 graduates with debt data. Small samples may not be representative.