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 $58,422βthat'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 valueβthe 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
Earnings Distribution
How University of Kentucky 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 Kentucky | $58,422 | $71,215 | +22% |
| University of Louisville | $52,167 | $63,447 | +22% |
| Northern Kentucky University | $50,457 | $62,699 | +24% |
| Western Kentucky University | $44,355 | $56,321 | +27% |
| Murray State University | $43,320 | $46,651 | +8% |
Compare to Similar Programs in Kentucky
Finance and Financial Management Services bachelors's programs at peer institutions in Kentucky (11 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $13,212 | $58,422 | $71,215 | $22,375 | 0.38 | |
| $12,828 | $52,167 | $63,447 | $22,500 | 0.43 | |
| $10,896 | $50,457 | $62,699 | $25,287 | 0.50 | |
| $11,436 | $44,355 | $56,321 | $19,500 | 0.44 | |
| $9,708 | $43,320 | $46,651 | $21,500 | 0.50 | |
| $9,838 | $41,360 | $41,590 | β | β | |
| 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 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.