Analysis
Ohio's business programs cluster tightly around $48,000-$50,000 in first-year earnings, and data from comparable programs suggests University of Toledo graduates land right in that range—roughly equal to the state median. The estimated $21,138 in debt is notably lower than both the state's typical $24,072 and the national $26,000 median, giving this program a debt-to-earnings ratio of 0.43. That's manageable territory: a graduate earning close to $49,000 could reasonably tackle this debt load without the financial strain that comes with higher borrowing.
The catch is that these figures come from peer programs rather than Toledo-specific outcomes, so there's inherent uncertainty in predicting any individual graduate's result. The accessible 95% admission rate suggests a less selective program where outcomes likely vary more than at schools with tighter admissions. Still, the underlying fundamentals—moderate debt paired with earnings that track state norms—point to a functional value proposition. For families weighing this path, the lower estimated debt is the standout feature, potentially making this a more forgiving bet than pricier alternatives nearby. Just recognize you're banking on Toledo matching its peers' performance rather than relying on verified results from this specific program.
Where University of Toledo Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
Compare to Similar Programs in Ohio
Business/Commerce bachelors's programs at peer institutions in Ohio (22 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $12,377 | $48,597* | — | $21,138* | — | |
| $17,488 | $57,020* | $56,664 | $47,236* | 0.83 | |
| $9,577 | $51,408* | — | $30,885* | 0.60 | |
| $28,910 | $50,262* | $43,439 | $30,625* | 0.61 | |
| $12,799 | $49,049* | $43,756 | $31,000* | 0.63 | |
| $9,212 | $48,597* | $54,191 | $19,900* | 0.41 | |
| National Median | — | $47,506* | — | $26,000* | 0.55 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 Toledo, 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 13 similar programs in OH. Actual outcomes may vary.