Median Earnings (1yr)
$39,986
5th percentile (25th in FL)
Median Debt
$20,500
12% below national median
Debt-to-Earnings
0.51
Manageable
Sample Size
19
Limited data

Analysis

The small sample size here demands caution, but the underlying pattern is troubling: University of West Florida's finance graduates start at nearly $14,000 below Florida's median for the program and roughly $10,000 behind comparable state schools like Florida Gulf Coast. While UWF ranks in the 25th percentile statewide, it sits in just the 5th percentile nationally—meaning 95% of finance programs across the country produce better first-year outcomes. Even with solid 26% earnings growth over four years, graduates still trail their peers from UCF and FSU by several thousand dollars.

The debt picture offers a silver lining: at $20,500, it's slightly below Florida's average and manageable relative to first-year earnings. However, modest debt doesn't compensate for persistently lower earnings when Florida's finance market clearly supports higher salaries—UF and Miami graduates earn $70,000+ right out of the gate. The gap suggests either weaker recruiting pipelines or geographic limitations in Pensacola's job market compared to Florida's major metro areas.

For families considering this program, the limited sample makes it hard to know if these figures represent a consistent trend or an anomaly. If your student is committed to staying in Northwest Florida and values lower debt, this might work. But if they're seeking competitive finance salaries in Tampa, Miami, or Jacksonville, they'd likely be better served by programs with proven stronger outcomes in those markets.

Where University of West Florida Stands

Earnings vs. debt across all finance and financial management services bachelors's programs nationally

University of West FloridaOther finance and financial management 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 West Florida graduates compare to all programs nationally

University of West Florida graduates earn $40k, placing them in the 5th percentile of all finance and financial management 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 Florida

Finance and Financial Management Services bachelors's programs at peer institutions in Florida (30 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of West Florida$39,986$50,345$20,5000.51
University of Florida$70,663$83,279$17,9540.25
University of Miami$70,352$89,692$14,5000.21
Florida State University$56,516$75,328$18,1620.32
University of Central Florida$56,415$66,928$18,8430.33
Florida Gulf Coast University$55,882$70,927$21,2390.38
National Median$53,590—$23,3320.44

Other Finance and Financial Management Services Programs in Florida

Compare tuition, earnings, and debt across Florida schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Florida
Gainesville
$6,381$70,663$17,954
University of Miami
Coral Gables
$59,926$70,352$14,500
Florida State University
Tallahassee
$5,656$56,516$18,162
University of Central Florida
Orlando
$6,368$56,415$18,843
Florida Gulf Coast University
Fort Myers
$6,118$55,882$21,239

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 20 graduates with debt data. Small samples may not be representative.