Analysis
A debt-to-earnings ratio of 0.58 suggests manageable financial pressure—comparable geography programs nationally point to around $38,700 in first-year earnings against roughly $22,400 in debt. That translates to less than seven months of gross income to cover what students typically borrow, which falls well within standard "good investment" territory. The estimated figures here track closely with national medians for geography and cartography bachelor's programs, though Oklahoma programs as a group tend to carry slightly higher debt loads (around $27,250).
The caveat worth noting: with only five schools offering this degree in Oklahoma and none reporting data publicly, we're working from national patterns rather than local outcomes. Geography careers vary tremendously—urban planning, GIS analysis, environmental consulting, and teaching all pull from this degree but follow different salary trajectories. First-year earnings around $38,700 might represent entry positions that grow substantially or roles that plateau quickly, and there's no way to know from these estimates which path UCO graduates typically follow.
For a family evaluating this investment, the numbers lean positive but deserve deeper investigation. Contact UCO's geography department directly for graduate outcomes—where alumni work, what roles they fill, which ones require graduate degrees. The manageable debt load gives graduates breathing room, but you'll want evidence that this specific program connects students to careers that justify even a modest borrowing amount.
Where University of Central Oklahoma Stands
Earnings vs. debt across all geography and cartography bachelors's programs nationally
Compare to Similar Programs Nationally
Geography and Cartography 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 | $38,726* | — | $22,359* | — | |
| $16,400 | $58,786* | — | —* | — | |
| $65,739 | $56,756* | — | —* | — | |
| $13,099 | $54,204* | $64,337 | $16,479* | 0.30 | |
| $8,994 | $53,079* | — | —* | — | |
| $64,990 | $52,883* | — | $25,000* | 0.47 | |
| National Median | — | $38,726* | — | $22,657* | 0.59 |
Career Paths
Occupations commonly associated with geography and cartography graduates
Geographers
Geography Teachers, Postsecondary
Cartographers and Photogrammetrists
Surveying and Mapping Technicians
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Wind Energy Operations Managers
Wind Energy Development Managers
Brownfield Redevelopment Specialists and Site Managers
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 95 similar programs. Actual outcomes may vary.