Median Earnings (1yr)
$39,513
22nd percentile (40th in NC)
Median Debt
$23,495
10% below national median
Debt-to-Earnings
0.59
Manageable
Sample Size
242
Adequate data

Analysis

Western Carolina's business graduates earn about $6,000 less than the state median for their field—ranking in the 40th percentile among North Carolina business programs. Four years out, earnings reach $45,000, which roughly matches the national median but still lags behind UNC-Chapel Hill ($86,000) and NC State ($57,000) by significant margins. The 14% earnings growth suggests steady career progression, though you're starting from a lower base than at peer schools.

The financial picture isn't alarming—debt of $23,500 represents roughly seven months of first-year earnings, which is manageable. That's actually below both state and national medians for business programs. The challenge is less about excessive debt and more about whether starting at $39,500 positions graduates competitively in North Carolina's business job market, where the typical business grad earns $43,000 right away.

For families weighing this program, the value depends heavily on net cost. If your student is paying close to full price, those flagship programs offer substantially better earnings outcomes that could justify the investment. But if Western Carolina comes at a significant discount—through in-state tuition, merit aid, or other factors—the lower debt combined with reasonable earnings makes it functional, if not exceptional. This is a middle-of-the-road business program in a state with some genuinely strong alternatives.

Where Western Carolina University Stands

Earnings vs. debt across all business administration, management and operations bachelors's programs nationally

Western Carolina UniversityOther business administration, management and operations 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 Western Carolina University graduates compare to all programs nationally

Western Carolina University graduates earn $40k, placing them in the 22th percentile of all business administration, management and operations 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 North Carolina

Business Administration, Management and Operations bachelors's programs at peer institutions in North Carolina (52 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Western Carolina University$39,513$44,964$23,4950.59
University of North Carolina at Chapel Hill$85,618$105,246$14,3390.17
North Carolina State University at Raleigh$56,877$69,742$20,0000.35
Queens University of Charlotte$54,032$64,491$23,2500.43
Meredith College$48,955$52,241$23,5000.48
University of Mount Olive$48,751$50,645$35,5000.73
National Median$45,703—$26,0000.57

Other Business Administration, Management and Operations Programs in North Carolina

Compare tuition, earnings, and debt across North Carolina schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of North Carolina at Chapel Hill
Chapel Hill
$8,989$85,618$14,339
North Carolina State University at Raleigh
Raleigh
$8,895$56,877$20,000
Queens University of Charlotte
Charlotte
$43,285$54,032$23,250
Meredith College
Raleigh
$43,936$48,955$23,500
University of Mount Olive
Mount Olive
$25,950$48,751$35,500

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 Western Carolina University, 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 242 graduates with reported earnings and 249 graduates with debt data. Small samples may not be representative.