Analysis
University of Central Oklahoma's finance program graduates earn roughly $6,700 less than the Oklahoma median for this degreeβa 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 disasterβthe debt is manageable and earnings do growβbut 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
Earnings Distribution
How University of Central Oklahoma 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 |
|---|---|---|---|
| University of Central Oklahoma | $50,151 | $53,975 | +8% |
| University of Pennsylvania | $122,698 | $206,646 | +68% |
| University of Oklahoma-Norman Campus | $66,904 | $74,997 | +12% |
| University of Tulsa | $65,012 | $73,931 | +14% |
| Oklahoma State University-Main Campus | $56,916 | $72,317 | +27% |
Compare to Similar Programs in Oklahoma
Finance and Financial Management Services bachelors's programs at peer institutions in Oklahoma (12 total in state)
Scroll to see more β
| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $8,522 | $50,151 | $53,975 | $24,793 | 0.49 | |
| $9,595 | $66,904 | $74,997 | $19,550 | 0.29 | |
| $48,602 | $65,012 | $73,931 | $20,250 | 0.31 | |
| $10,234 | $56,916 | $72,317 | $22,060 | 0.39 | |
| $7,513 | $45,998 | β | $22,500 | 0.49 | |
| National Median | β | $53,590 | β | $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 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.