Analysis
A Bachelor's in Applied Mathematics from the University of Central Oklahoma comes with an estimated debt load of $21,000—right in line with what similar programs nationally report—while peer programs nationally suggest first-year earnings around $60,930. That debt-to-earnings ratio of 0.34 sits comfortably within the range where monthly loan payments shouldn't overwhelm a graduate's budget, though it's worth noting these figures come from comparable programs across the country rather than UCO's specific outcomes.
The math itself checks out: at these estimated earnings levels, graduates would likely earn enough to manage their debt within the standard repayment timeline without financial strain. Applied mathematics degrees tend to open doors in fields like data analysis, actuarial work, and operations research—areas where demand remains strong. UCO's accessibility (82% admission rate, serving a significant population of Pell grant recipients) means this path doesn't require elite credentials to pursue, which matters when you're weighing cost against opportunity.
The caveat? Without UCO-specific data, you're betting that this program performs similarly to its national peers. If UCO's applied math program has strong industry connections in Oklahoma or places graduates in higher-paying sectors, actual outcomes could exceed these estimates. Conversely, if career services are weak or the local job market is tight, results might lag. The fundamentals look sound based on what similar programs deliver, but you'll want to dig into where UCO's recent graduates actually landed before making this call.
Where University of Central Oklahoma Stands
Earnings vs. debt across all applied mathematics bachelors's programs nationally
Compare to Similar Programs Nationally
Applied Mathematics bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $8,522 | $60,930* | — | $21,000* | — | |
| $59,076 | $114,279* | $166,324 | —* | — | |
| $68,230 | $99,193* | $125,979 | $10,000* | 0.10 | |
| $60,952 | $97,700* | — | $25,841* | 0.26 | |
| $65,997 | $94,684* | — | —* | — | |
| $69,045 | $91,559* | — | —* | — | |
| National Median | — | $60,930* | — | $21,393* | 0.35 |
Career Paths
Occupations commonly associated with applied mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Actuaries
Economists
Environmental Economists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
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 Oklahoma, approximately 35% 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 44 similar programs. Actual outcomes may vary.