Cost, debt & salary

Is University of Central Arkansas worth it? What it costs, and what graduates earn

You would borrow a median $20,346 — about $231 a month for ten years. Graduates earn a median $45,938 ten years after starting, so the debt clears in roughly 3.2 years of the salary premium.

F

Is it worth the money?

Think hard. On these numbers the salary premium struggles to clear what students borrow.

You borrow $20,346 median federal debt at graduation
You repay $231/mo standard 10-year federal plan
You earn $45,938 median, 10 years after entry · beats 19%
Debt clears in 3.2 yrs ranked 716 of 810

What that feels like each month Repayment against the salary that has to cover it.

Gross monthly pay
$3,828
Loan repayment
$231
Share of your pay
6%
0%15% — the comfort line25%

Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.

Cut the debt before you borrow it

Every dollar you win is a dollar you never repay — and it moves the 3.2-year payback above. We list 3 scholarships tied to University of Central Arkansas.

USA University of Central Arkansas (UCA) Freshman Academic & H... USA International Mobility Scholarships for Graduates at Unive... International Mobility Scholarships at University of Central A...
See all 3 University of Central Arkansas scholarships →

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How University of Central Arkansas compares Against the 810 US universities we grade on payback.

The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. University of Central Arkansas takes longer than that, and its graduates earn $6,418 a year more than a US worker with only a high-school diploma.

Nearby universityGradeDebtEarningsPayback
University of Arkansas - Little Rock Arkansas F $22,000 $45,265 3.8 yrs
University of the Ozarks Arkansas F $20,875 $44,384 4.3 yrs
Harding University Arkansas D $26,500 $52,876 2 yrs
Lyon College Arkansas F $21,500 $44,232 4.6 yrs
John Brown University Arkansas C $21,250 $53,907 1.5 yrs

University of Central Arkansas — the money questions

How much do graduates of University of Central Arkansas earn?
Median earnings are $45,938 a year, measured ten years after students first enrolled — from tax records, not a survey. That is higher than 19% of the US universities we hold figures for.
How much debt will I have at University of Central Arkansas?
The median graduate leaves with $20,346 of federal loans. On the standard ten-year plan that is about $231 a month — roughly 6% of the median graduate's monthly pay before tax.
How long does a degree from University of Central Arkansas take to pay for itself?
About 3.2 years of the salary premium — the amount graduates earn above the $39,520 a US worker with only a high-school diploma makes. That ranks it 716 of 810 US universities we grade on payback.
Can scholarships reduce this debt?
Yes — we list 3 scholarships tied to University of Central Arkansas. Each award you win comes straight off the borrowing above, and the payback figure falls with it.
Do these numbers apply to my subject?
No. The Department of Education publishes one figure per institution, so nursing, engineering and fine art students at University of Central Arkansas all sit inside the same median. Treat it as the size of the financial risk, not a salary forecast for your course.
University of Central Arkansas profile Programmes at University of Central Arkansas University of Central Arkansas scholarships University of Central Arkansas review & grade Compare with University of Arkansas - Little Rock Payback across Arkansas What University of Central Arkansas costs Student loan record SAT scores & admission Fastest-paying US degrees Lowest student debt How we calculate this

Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.