Median Earnings (1yr)
$40,952
28th percentile (40th in OH)
Median Debt
$22,073
17% below national median
Debt-to-Earnings
0.54
Manageable
Sample Size
34
Adequate data

Analysis

University of Toledo's special education program sits right in the middle of Ohio's options—ranking at the 40th percentile statewide—but with a crucial advantage: graduates carry $22,073 in debt, roughly $5,000 less than the typical Ohio special education graduate. That lower debt load partially offsets the below-average starting salary of $40,952, which trails both the state median ($41,362) and national median ($44,139) by a few thousand dollars.

The earnings trajectory shows modest but steady growth, reaching $44,030 by year four. This puts graduates roughly on par with national benchmarks after several years, though they start behind. The debt-to-earnings ratio of 0.54 means graduates owe about half their first-year salary—manageable for a teaching career, particularly since special education teachers often qualify for loan forgiveness programs that can erase much of this debt after ten years of public service.

For families prioritizing affordability in teacher preparation, Toledo delivers reasonable value. You're not getting top-tier Ohio earnings (University of Dayton and Ohio State graduates earn $4,000-5,000 more annually), but you're also avoiding the debt burden that often accompanies those programs. If your child is committed to special education and plans to utilize federal loan forgiveness, the lower debt makes Toledo a sensible choice over pricier competitors.

Where University of Toledo Stands

Earnings vs. debt across all special education and teaching bachelors's programs nationally

University of ToledoOther special education and teaching 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 $41k, placing them in the 28th percentile of all special education and teaching 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

Special Education and Teaching bachelors's programs at peer institutions in Ohio (43 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Toledo$40,952$44,030$22,0730.54
University of Dayton$45,260$44,985$20,6120.46
Ohio State University-Main Campus$45,213$43,720$26,8990.59
Capital University$42,709$40,804$27,0000.63
University of Cincinnati-Main Campus$42,347—$25,0460.59
Miami University-Oxford$41,871$43,240$27,0000.64
National Median$44,139—$26,7170.61

Other Special Education and Teaching Programs in Ohio

Compare tuition, earnings, and debt across Ohio schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Dayton
Dayton
$47,600$45,260$20,612
Ohio State University-Main Campus
Columbus
$12,859$45,213$26,899
Capital University
Columbus
$41,788$42,709$27,000
University of Cincinnati-Main Campus
Cincinnati
$13,570$42,347$25,046
Miami University-Oxford
Oxford
$17,809$41,871$27,000

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 34 graduates with reported earnings and 60 graduates with debt data. Small samples may not be representative.