Median Earnings (1yr)
$44,009
49th percentile
Median Debt
$26,564
1% below national median
Debt-to-Earnings
0.60
Manageable
Sample Size
41
Adequate data

Analysis

University of Northern Colorado graduates special education teachers who earn solidly above the state median—$44,009 versus $40,033 for Colorado overall—putting this program in the 60th percentile statewide. That's meaningful for a field known for modest starting salaries, and the debt load of $26,564 is manageable at just 0.6 times first-year earnings. This program clearly delivers better financial outcomes than the competing options at Colorado Christian or Metropolitan State.

The challenge is earnings stagnation. Four years out, graduates see only a 3% bump to $45,211—barely keeping pace with inflation. In special education, where experience typically translates to salary schedule advancement, this flat trajectory suggests graduates may be hitting compensation ceilings quickly or facing limited advancement opportunities. It's worth noting this pattern is common across the field nationally, where the median sits at nearly identical $44,139.

For families, this represents a reasonable investment if your child is committed to special education. The debt burden won't be crushing, and UNC provides a legitimate pathway into the profession with better initial placement than most Colorado alternatives. Just recognize that the financial upside will likely come from factors outside this data—pursuing a master's degree, moving into administrative roles, or relocating to higher-paying districts—rather than organic career growth in the classroom.

Where University of Northern Colorado Stands

Earnings vs. debt across all special education and teaching bachelors's programs nationally

University of Northern ColoradoOther special education and teaching 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 Northern Colorado graduates compare to all programs nationally

University of Northern Colorado graduates earn $44k, placing them in the 49th percentile of all special education and teaching 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 Colorado

Special Education and Teaching bachelors's programs at peer institutions in Colorado (4 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Northern Colorado$44,009$45,211$26,5640.60
Colorado Christian University$40,033———
Metropolitan State University of Denver$39,638$45,385$20,0270.51
National Median$44,139—$26,7170.61

Other Special Education and Teaching Programs in Colorado

Compare tuition, earnings, and debt across Colorado schools

SchoolIn-State TuitionEarnings (1yr)Debt
Colorado Christian University
Lakewood
$39,266$40,033—
Metropolitan State University of Denver
Denver
$10,780$39,638$20,027

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 Northern Colorado, approximately 26% 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 41 graduates with reported earnings and 55 graduates with debt data. Small samples may not be representative.