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
Earnings Distribution
How University of Toledo graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| University of Toledo | $40,952 | $44,030 | +8% |
| University of Dayton | $45,260 | $44,985 | -1% |
| Ohio State University-Main Campus | $45,213 | $43,720 | -3% |
| Miami University-Oxford | $41,871 | $43,240 | +3% |
| Ohio University-Eastern Campus | $41,362 | $42,847 | +4% |
Compare to Similar Programs in Ohio
Special Education and Teaching bachelors's programs at peer institutions in Ohio (43 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $12,377 | $40,952 | $44,030 | $22,073 | 0.54 | |
| $47,600 | $45,260 | $44,985 | $20,612 | 0.46 | |
| $12,859 | $45,213 | $43,720 | $26,899 | 0.59 | |
| $41,788 | $42,709 | $40,804 | $27,000 | 0.63 | |
| $13,570 | $42,347 | — | $25,046 | 0.59 | |
| $17,809 | $41,871 | $43,240 | $27,000 | 0.64 | |
| National Median | — | $44,139 | — | $26,717 | 0.61 |
Career Paths
Occupations commonly associated with special education and teaching graduates
Education Teachers, Postsecondary
Special Education Teachers, Preschool
Special Education Teachers, Middle School
Special Education Teachers, Secondary School
Special Education Teachers, All Other
Adapted Physical Education Specialists
Interpreters and Translators
Special Education Teachers, Kindergarten
Special Education Teachers, Elementary School
Teaching Assistants, Special Education
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.