Median Earnings (1yr)
$31,401
56th percentile
60th percentile in Kentucky
Median Debt
$22,630
12% below national median

Analysis

University of the Cumberlands' health and physical education program produces outcomes that land squarely in the middle of the pack—both nationally and within Kentucky—though the small sample size here means individual circumstances could vary significantly. Starting salaries around $31,400 place graduates in the 60th percentile among Kentucky programs, which isn't remarkable but beats the state median slightly. The concerning part is how far this lags behind top Kentucky options: Northern Kentucky University graduates earn 36% more right out of the gate.

The debt picture offers some relief. At $22,630, graduates here borrow about $3,000 less than typical Kentucky students in this field, resulting in a manageable debt-to-earnings ratio of 0.72. That's meaningful for a profession where many graduates become teachers, coaches, or fitness professionals—careers that don't command high starting salaries but offer stability. The modest 7% earnings bump over four years suggests graduates find steady footing rather than dramatic income growth.

For families considering this program, the value proposition depends heavily on net price after aid. Nearly half the student body receives Pell grants, indicating the university serves many moderate-income families. If your actual cost approaches that $22,630 debt figure, you're looking at a reasonable investment for someone passionate about physical education. But if scholarships can make comparable programs like Northern Kentucky or Louisville accessible, those stronger earnings trajectories deserve serious consideration.

Where University of the Cumberlands Stands

Earnings vs. debt across all health and physical education/fitness bachelors's programs nationally

Earnings Distribution

How University of the Cumberlands graduates compare to all programs nationally

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

School1 Year4 YearsGrowth
University of the Cumberlands$31,401$33,516+7%
Northern Kentucky University$42,725$47,213+11%
University of Louisville$33,241$43,403+31%
Western Kentucky University$25,858$42,555+65%
Morehead State University$30,696$42,293+38%

Compare to Similar Programs in Kentucky

Health and Physical Education/Fitness bachelors's programs at peer institutions in Kentucky (18 total in state)

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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of the CumberlandsWilliamsburg$9,875$31,401$33,516$22,6300.72
Northern Kentucky UniversityHighland Heights$10,896$42,725$47,213$23,5000.55
Georgetown CollegeGeorgetown$42,010$37,620$36,911$27,0000.72
University of LouisvilleLouisville$12,828$33,241$43,403$22,0530.66
Morehead State UniversityMorehead$9,838$30,696$42,293$25,9460.85
Bellarmine UniversityLouisville$47,180$30,236$41,610$25,9440.86
National Median$30,554$25,7570.84

Career Paths

Occupations commonly associated with health and physical education/fitness graduates

Recreation and Fitness Studies Teachers, Postsecondary

Teach courses pertaining to recreation, leisure, and fitness studies, including exercise physiology and facilities management. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Entertainment and Recreation Managers, Except Gambling

Plan, direct, or coordinate entertainment and recreational activities and operations of a recreational facility, including cruise ships and parks.

$77,180/yrJobs growth:Bachelor's degree

Athletes and Sports Competitors

Compete in athletic events.

$62,360/yrJobs growth:No formal educational credential

Athletic Trainers

Evaluate and treat musculoskeletal injuries or illnesses. Provide preventive, therapeutic, emergency, and rehabilitative care.

$60,250/yrJobs growth:Master's degree

Exercise Physiologists

Assess, plan, or implement fitness programs that include exercise or physical activities such as those designed to improve cardiorespiratory function, body composition, muscular strength, muscular endurance, or flexibility.

$58,160/yrJobs growth:Bachelor's degree

Exercise Trainers and Group Fitness Instructors

Instruct or coach groups or individuals in exercise activities for the primary purpose of personal fitness. Demonstrate techniques and form, observe participants, and explain to them corrective measures necessary to improve their skills. Develop and implement individualized approaches to exercise.

$46,180/yrJobs growth:High school diploma or equivalent

Coaches and Scouts

Instruct or coach groups or individuals in the fundamentals of sports for the primary purpose of competition. Demonstrate techniques and methods of participation. May evaluate athletes' strengths and weaknesses as possible recruits or to improve the athletes' technique to prepare them for competition. Those required to hold teaching certifications should be reported in the appropriate teaching category.

$45,920/yrJobs growth:Bachelor's degree
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 21 graduates with reported earnings and 49 graduates with debt data. Small samples may not be representative.