Median Earnings (1yr)
$58,422
69th percentile (80th in KY)
Median Debt
$22,375
4% below national median
Debt-to-Earnings
0.38
Manageable
Sample Size
183
Adequate data

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

University of KentuckyOther 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 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)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Kentucky$58,422$71,215$22,3750.38
University of Louisville$52,167$63,447$22,5000.43
Northern Kentucky University$50,457$62,699$25,2870.50
Western Kentucky University$44,355$56,321$19,5000.44
Murray State University$43,320$46,651$21,5000.50
Morehead State University$41,360$41,590
National Median$53,590$23,3320.44

Other Finance and Financial Management Services Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (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.