Finance and Financial Management Services at University of Pennsylvania
Bachelor's Degree
Analysis
Penn's Wharton School finance program isn't just the best option in Pennsylvania—it's operating in a different stratosphere. First-year graduates earn $122,698, more than double the national median for finance programs and 50% higher than Villanova, the state's second-best program. By year four, earnings jump to over $206,000, a 68% increase that reflects rapid career acceleration in investment banking, private equity, and top-tier financial services roles. The debt picture is equally striking: graduates leave with just $12,865 in loans, less than half the state median, thanks to Penn's robust financial aid. That creates a debt-to-earnings ratio of 0.10—you'd clear your entire debt burden in about six weeks of work.
The 6% admission rate means most students won't get in, but for those who do, this represents perhaps the single strongest return on investment in undergraduate finance education. These aren't just good outcomes; they're transformative. While the program serves relatively few Pell-eligible students, those who gain admission receive the financial support to graduate with minimal debt and extraordinary earning potential.
If your child has the academic credentials to compete for admission here, Penn finance should be at the top of their list. The combination of immediate high earnings, explosive growth trajectory, and minimal debt creates the foundation for genuine wealth accumulation straight out of college.
Where University of Pennsylvania 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 Pennsylvania graduates compare to all programs nationally
University of Pennsylvania graduates earn $123k, placing them in the 95th 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 Pennsylvania
Finance and Financial Management Services bachelors's programs at peer institutions in Pennsylvania (49 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| University of Pennsylvania | $122,698 | $206,646 | $12,865 | 0.10 |
| Villanova University | $82,008 | $110,166 | $26,197 | 0.32 |
| Lehigh University | $76,720 | $107,260 | $23,250 | 0.30 |
| Saint Joseph's University - Philadelphia | $66,072 | $85,648 | $25,000 | 0.38 |
| Widener University | $62,672 | — | $26,980 | 0.43 |
| Saint Vincent College | $61,518 | $71,311 | $26,797 | 0.44 |
| National Median | $53,590 | — | $23,332 | 0.44 |
Other Finance and Financial Management Services Programs in Pennsylvania
Compare tuition, earnings, and debt across Pennsylvania schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Villanova University Villanova | $64,701 | $82,008 | $26,197 |
| Lehigh University Bethlehem | $62,180 | $76,720 | $23,250 |
| Saint Joseph's University - Philadelphia Philadelphia | $51,340 | $66,072 | $25,000 |
| Widener University Chester | $53,638 | $62,672 | $26,980 |
| Saint Vincent College Latrobe | $41,100 | $61,518 | $26,797 |
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 Pennsylvania, approximately 16% 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 135 graduates with reported earnings and 98 graduates with debt data. Small samples may not be representative.