Analysis
Business graduates from the University of West Florida start at $43,325—about $3,000 below Florida's median and $4,000 below the national average for business degrees. While this places the program in the 40th percentile statewide, the relatively modest $22,500 debt load keeps the financial equation manageable. That debt-to-earnings ratio of 0.52 means graduates owe roughly half their first-year salary, which is sustainable for most entry-level business careers. However, the small sample size (under 30 graduates) means these figures could shift significantly with more data.
The gap matters when you look at alternatives: Florida State graduates start $4,000 higher, and the University of South Florida—another public option—beats UWF by $2,000. Even among accessible business programs, UWF's outcomes trail the pack. For a family weighing public universities in Florida, the lower debt is a real advantage, but it doesn't fully offset the earnings gap over time.
This program works best for students who prioritize staying in the Pensacola area or who secured substantial scholarships that push their actual debt well below that $22,500 median. If your student has multiple Florida public options, compare actual financial aid packages carefully—the earning differences could compound to $10,000+ over just the first few years of working.
Where University of West Florida Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
Earnings Distribution
How University of West Florida graduates compare to all programs nationally
Compare to Similar Programs in Florida
Business/Commerce bachelors's programs at peer institutions in Florida (19 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $6,360 | $43,325 | — | $22,500 | 0.52 | |
| $17,488 | $57,020 | $56,664 | $47,236 | 0.83 | |
| $13,920 | $55,431 | $59,763 | $56,517 | 1.02 | |
| $58,300 | $51,001 | $74,225 | $26,000 | 0.51 | |
| $5,656 | $47,342 | $49,126 | — | — | |
| $6,410 | $45,357 | $50,844 | $19,572 | 0.43 | |
| 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 West Florida, approximately 33% 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 19 graduates with reported earnings and 19 graduates with debt data. Small samples may not be representative.