Finance and Financial Management Services at University of Kentucky
Bachelor's Degree
Analysis
UK's finance program delivers earnings that significantly outperform both state and national averages, making it the clear leader in Kentucky. First-year graduates earn $58,422—that's 32% above Kentucky's median for finance programs and 9% above the national median. Among the 11 finance programs in Kentucky, this ranks in the 80th percentile, with only University of Louisville coming close. The $22,375 in typical debt is modest, creating a debt-to-earnings ratio of 0.38 that graduates can realistically manage in under a year.
The real story is trajectory: earnings jump 22% to $71,215 by year four, suggesting UK's finance graduates are moving into analyst and management roles that reward experience. This matters because finance is a career where your degree's prestige and network open doors. Given UK's 92% admission rate, this program offers an accessible path to above-average outcomes without the credential inflation you'd face at highly selective schools.
For Kentucky families, this is straightforward value—the strongest in-state option for finance at a reasonable debt level. The combination of solid starting salaries, strong earnings growth, and manageable debt makes this a defensible investment, especially if your child can take advantage of in-state tuition rates.
Where University of Kentucky Stands
Earnings vs. debt across all finance and financial management services bachelors's programs nationally
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 Kentucky graduates compare to all programs nationally
University of Kentucky graduates earn $58k, placing them in the 69th 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 Kentucky
Finance and Financial Management Services bachelors's programs at peer institutions in Kentucky (11 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| University of Kentucky | $58,422 | $71,215 | $22,375 | 0.38 |
| University of Louisville | $52,167 | $63,447 | $22,500 | 0.43 |
| Northern Kentucky University | $50,457 | $62,699 | $25,287 | 0.50 |
| Western Kentucky University | $44,355 | $56,321 | $19,500 | 0.44 |
| Murray State University | $43,320 | $46,651 | $21,500 | 0.50 |
| Morehead State University | $41,360 | $41,590 | — | — |
| National Median | $53,590 | — | $23,332 | 0.44 |
Other Finance and Financial Management Services Programs in Kentucky
Compare tuition, earnings, and debt across Kentucky schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| University of Louisville Louisville | $12,828 | $52,167 | $22,500 |
| Northern Kentucky University Highland Heights | $10,896 | $50,457 | $25,287 |
| Western Kentucky University Bowling Green | $11,436 | $44,355 | $19,500 |
| Murray State University Murray | $9,708 | $43,320 | $21,500 |
| Morehead State University Morehead | $9,838 | $41,360 | — |
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 Kentucky, approximately 22% 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 183 graduates with reported earnings and 198 graduates with debt data. Small samples may not be representative.