Median Earnings (1yr)
$31,401
56th percentile (60th in KY)
Median Debt
$22,630
12% below national median
Debt-to-Earnings
0.72
Manageable
Sample Size
21
Limited data

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

University of the CumberlandsOther health and physical education/fitness 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 $31k, placing them in the 56th percentile of all health and physical education/fitness 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 Kentucky

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

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of the Cumberlands$31,401$33,516$22,6300.72
Northern Kentucky University$42,725$47,213$23,5000.55
Georgetown College$37,620$36,911$27,0000.72
University of Louisville$33,241$43,403$22,0530.66
Morehead State University$30,696$42,293$25,9460.85
Bellarmine University$30,236$41,610$25,9440.86
National Median$30,554—$25,7570.84

Other Health and Physical Education/Fitness Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Northern Kentucky University
Highland Heights
$10,896$42,725$23,500
Georgetown College
Georgetown
$42,010$37,620$27,000
University of Louisville
Louisville
$12,828$33,241$22,053
Morehead State University
Morehead
$9,838$30,696$25,946
Bellarmine University
Louisville
$47,180$30,236$25,944

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.