Median Earnings (1yr)
$27,786
23rd percentile (60th in KY)
Median Debt
$20,318
19% below national median
Debt-to-Earnings
0.73
Manageable
Sample Size
25
Limited data

Analysis

University of the Cumberlands biology graduates earn just under $28,000 in their first year—about $4,500 below the national average for biology majors. That would be more concerning if not for Kentucky context: this actually beats the state median for biology programs, placing it solidly mid-pack among Kentucky schools. Still, when Northern Kentucky University biology grads earn nearly $39,000 and even UK grads clear $31,000, families should recognize they're not getting top-tier Kentucky outcomes here.

The debt picture offers some relief. At $20,318, graduates owe about $5,000 less than typical biology majors nationally and roughly $4,000 less than the Kentucky median. The 0.73 debt-to-earnings ratio means students are borrowing less than one year's salary, which is manageable territory. Given that nearly half of students receive Pell grants, the lower debt burden matters—these aren't families with easy access to alternative financing.

The caveat: this data comes from fewer than 30 graduates, so individual circumstances heavily influence these numbers. For a Kentucky family committed to staying in-state and seeking a smaller Christian college environment, the combination of below-average debt and middle-of-the-pack Kentucky earnings makes this workable. But students serious about biology careers should know they're accepting a significant earnings gap compared to Kentucky's flagship and regional universities, particularly if graduate school isn't immediately in the plans.

Where University of the Cumberlands Stands

Earnings vs. debt across all biology bachelors's programs nationally

University of the CumberlandsOther biology 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 the Cumberlands graduates compare to all programs nationally

University of the Cumberlands graduates earn $28k, placing them in the 23th percentile of all biology bachelors programs nationally.

Compare to Similar Programs in Kentucky

Biology bachelors's programs at peer institutions in Kentucky (25 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of the Cumberlands$27,786—$20,3180.73
Northern Kentucky University$38,970$43,852$23,9500.61
University of Kentucky$31,360$44,651$23,2500.74
Western Kentucky University$29,945$40,022$22,5000.75
Bellarmine University$29,253$49,960$27,0000.92
University of Pikeville$28,699$27,273$21,1280.74
National Median$32,316—$25,0000.77

Other Biology Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Northern Kentucky University
Highland Heights
$10,896$38,970$23,950
University of Kentucky
Lexington
$13,212$31,360$23,250
Western Kentucky University
Bowling Green
$11,436$29,945$22,500
Bellarmine University
Louisville
$47,180$29,253$27,000
University of Pikeville
Pikeville
$24,150$28,699$21,128

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 the Cumberlands, approximately 48% 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 25 graduates with reported earnings and 43 graduates with debt data. Small samples may not be representative.