Median Earnings (1yr)
$42,714
5th percentile (40th in OH)
Median Debt
$25,000
6% below national median
Debt-to-Earnings
0.59
Manageable
Sample Size
82
Adequate data

Analysis

The University of Toledo's HR program sits in a challenging spot: while it ranks at just the 5th percentile nationally for graduate earnings, it performs closer to the state median (40th percentile among Ohio schools). That's still middle-of-the-pack when competing against 35 in-state programs, and the first-year salary of $42,714 trails even the state median by nearly $3,000. For context, top Ohio programs like Walsh University produce graduates earning almost double at $80,566, though even mid-tier options like University of Akron ($51,422) show meaningfully stronger outcomes.

The 24% earnings growth to $52,860 by year four helps close some of the gap, and the debt load of $25,000 matches the state median while coming in slightly below the national benchmark. The debt-to-earnings ratio of 0.59 means graduates could theoretically pay off loans in about 14 months of gross salary—manageable if they're disciplined. Toledo's 95% admission rate and substantial Pell grant population (26%) suggest this serves many first-generation and price-sensitive students who may lack alternative options.

For families comparing in-state choices, this program offers accessibility but not competitive outcomes. If your child can gain admission to Ohio State or Akron's HR programs, the salary advantage would justify any modest tuition difference. Toledo might work for students who need the open admission policy and lower cost, but they should enter with realistic expectations about earning potential in their early career.

Where University of Toledo Stands

Earnings vs. debt across all human resources management and services bachelors's programs nationally

University of ToledoOther human resources management and services 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 Toledo graduates compare to all programs nationally

University of Toledo graduates earn $43k, placing them in the 5th percentile of all human resources management and 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 Ohio

Human Resources Management and Services bachelors's programs at peer institutions in Ohio (35 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Toledo$42,714$52,860$25,0000.59
Walsh University$80,566—$29,8120.37
Ohio State University-Main Campus$58,991$64,319$19,5000.33
Bluffton University$55,253—$35,0010.63
University of Akron Main Campus$51,422$55,723$20,7500.40
John Carroll University$50,938—$20,0000.39
National Median$50,361—$26,6250.53

Other Human Resources Management and Services Programs in Ohio

Compare tuition, earnings, and debt across Ohio schools

SchoolIn-State TuitionEarnings (1yr)Debt
Walsh University
North Canton
$34,595$80,566$29,812
Ohio State University-Main Campus
Columbus
$12,859$58,991$19,500
Bluffton University
Bluffton
$36,298$55,253$35,001
University of Akron Main Campus
Akron
$12,799$51,422$20,750
John Carroll University
University Heights
$49,100$50,938$20,000

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.

Sample Size: Based on 82 graduates with reported earnings and 74 graduates with debt data. Small samples may not be representative.