Median Earnings (1yr)
$50,151
31st percentile (40th in OK)
Median Debt
$24,793
6% above national median
Debt-to-Earnings
0.49
Manageable
Sample Size
89
Adequate data

Analysis

University of Central Oklahoma's finance program graduates earn roughly $6,700 less than the Oklahoma median for this degree—a significant gap that places it in just the 40th percentile statewide. While the $50,151 starting salary isn't terrible, it falls short of what students at Oklahoma State ($56,916) or OU-Norman ($66,904) are making right out of the gate. That difference compounds over time and translates to tens of thousands in lost earnings over a career.

The program does keep debt manageable at $24,793, slightly above both state and national averages but resulting in a reasonable debt-to-earnings ratio of 0.49. Graduates should be able to handle their loan payments without excessive strain. The 8% earnings growth from year one to year four suggests steady career progression, though starting from a lower base means catching up to peers from higher-performing programs will be challenging.

For an anxious parent, the key question is whether the lower tuition at UCO offsets the earnings gap. If your child can access OU-Norman or Oklahoma State at a comparable net price, the $16,000+ higher starting salary makes those programs considerably stronger investments. UCO's finance degree isn't a disaster—the debt is manageable and earnings do grow—but it's demonstrably a middle-of-the-pack option in a state with clearly superior alternatives.

Where University of Central Oklahoma Stands

Earnings vs. debt across all finance and financial management services bachelors's programs nationally

University of Central OklahomaOther finance and financial management services 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 Oklahoma graduates compare to all programs nationally

University of Central Oklahoma graduates earn $50k, placing them in the 31th percentile of all finance and financial management services 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 Oklahoma

Finance and Financial Management Services bachelors's programs at peer institutions in Oklahoma (12 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Central Oklahoma$50,151$53,975$24,7930.49
University of Oklahoma-Norman Campus$66,904$74,997$19,5500.29
University of Tulsa$65,012$73,931$20,2500.31
Oklahoma State University-Main Campus$56,916$72,317$22,0600.39
Northeastern State University$45,998—$22,5000.49
National Median$53,590—$23,3320.44

Other Finance and Financial Management Services Programs in Oklahoma

Compare tuition, earnings, and debt across Oklahoma schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Oklahoma-Norman Campus
Norman
$9,595$66,904$19,550
University of Tulsa
Tulsa
$48,602$65,012$20,250
Oklahoma State University-Main Campus
Stillwater
$10,234$56,916$22,060
Northeastern State University
Tahlequah
$7,513$45,998$22,500

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.

Sample Size: Based on 89 graduates with reported earnings and 81 graduates with debt data. Small samples may not be representative.