Median Earnings (1yr)
$64,131
78th percentile
Median Debt
$22,394
1% below national median
Debt-to-Earnings
0.35
Manageable
Sample Size
189
Adequate data

Analysis

University of Georgia's insurance program launches graduates into solid six-figure earnings trajectories, with first-year salaries of $64,131 that climb to over $76,000 by year four. That puts it ahead of three-quarters of insurance programs nationally and comfortably above both the national median ($55,819) and Georgia's state median ($61,040). In a state with only two insurance programs, UGA clearly delivers the stronger outcome—graduates here earn nearly $6,200 more in their first year than peers at Georgia State.

The debt picture is reasonable: $22,394 represents just 35% of first-year earnings, meaning graduates can realistically pay this down in a few years while building their careers. That's below the typical 1:1 debt-to-earnings sweet spot for bachelor's degrees. The 19% earnings growth from year one to year four suggests the field rewards experience, with graduates establishing themselves in underwriting, risk management, or brokerage roles that offer clear advancement paths.

For families considering business-adjacent fields with strong job prospects, insurance offers a practical middle ground—less competitive than finance recruiting but with corporate career tracks that pay well from the start. At UGA, you're getting one of the better programs in a specialized field where employers actively recruit from established programs. The combination of manageable debt and above-average earnings makes this a straightforward value proposition for students interested in the risk management industry.

Where University of Georgia Stands

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

University of GeorgiaOther insurance 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 Georgia graduates compare to all programs nationally

University of Georgia graduates earn $64k, placing them in the 78th percentile of all insurance 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 Georgia

Insurance bachelors's programs at peer institutions in Georgia (2 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Georgia$64,131$76,315$22,3940.35
Georgia State University$57,949$77,407$26,0000.45
National Median$55,819—$22,7280.41

Other Insurance Programs in Georgia

Compare tuition, earnings, and debt across Georgia schools

SchoolIn-State TuitionEarnings (1yr)Debt
Georgia State University
Atlanta
$8,478$57,949$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 Georgia, approximately 17% 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 189 graduates with reported earnings and 161 graduates with debt data. Small samples may not be representative.