10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$145,076at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
University of West Florida
Pensacola, FL · 42 field-and-degree records
Earnings reported for 38 · Federal debt reported for 28
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$145,076 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
30.0 yrsTime to earn back the modeled cost
−67%Estimated return after 10 years
$52,238Observed earnings · year 5
Not reachedHighest annual price before payoff reaches $0
Start with your question
What do you want to understand?
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $14,082 housing and food allowance plus $3,024 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price−$107,620
$8,000Annual price−$139,620
$9,000Current college-wide context−$143,620
$16,000Annual price−$171,620
$24,000Annual price−$203,620
$32,000Annual price−$235,620
$40,000Annual price−$267,620
HOW STUDENTS ATTEND · 2023-24
Most students take at least some classes online.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Southern Association of Colleges and Schools Commission on Colleges
- Main award level
- Bachelor’s degrees
- Campus setting
- Rural
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
297 high-school students took college courses.
IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.
This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.
STATE PRICE CONTEXT · 2024
Prices in Florida run 3% above the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$9,364Average net price / year
$19,947Cost of attendance
$16,624Median federal student debt · completer borrowers
$176/moPublished 10-year payment estimate
$52,238Median earnings · year 5 after completion
58.8%Completion rate
58.2%Admission rate
1,138Average SAT score
24ACT midpoint
9,330Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about University of West Florida
What does University of West Florida cost?
University of West Florida reports an average annual net price of $9,364 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of West Florida graduates earn?
The observed median earnings figure is $52,238 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of West Florida graduates have?
Completer borrowers report median cumulative federal student debt of $16,624. Parent PLUS and private loans are not included.
Is every degree at University of West Florida worth the same?
No. The current release contains 42 field-and-degree records for University of West Florida; 38 report year-4 earnings and 28 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
18,930Students enrolled at any point
12,229Undergraduate students
6,701Graduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
61% received a Pell Grant within eight yearsMedian Parent PLUS debt
224 parent borrowers in the reported cohortMedian federal student debt
51% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$47,976Earnings are not a guarantee
Middle income$49,861Earnings are not a guarantee
Higher income$50,768Earnings are not a guarantee
Three-year repayment progress
Lower income47%
Middle income56%
Higher income63%
Undergraduate student composition
White60%
Black10%
Hispanic12%
Asian4%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$53,046Year 1
$67,723Year 4
$52,238Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Public Health · Master's Degree$111,3632Computer and Information Sciences, General · Master's Degree$110,9323Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$104,8184Electrical, Electronics, and Communications Engineering · Bachelor's Degree$91,8135Accounting and Related Services · Master's Degree$90,1136Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$89,3467Business Administration, Management and Operations · Master's Degree$87,1868Computer and Information Sciences, General · Bachelor's Degree$79,520Observed year-4 earnings · compare the same field and credential across colleges
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
1Public HealthMaster's Degree · $111,363 reported+35%vs same-degree national medianNot availablefederal debt2Liberal Arts and Sciences, General Studies and HumanitiesAssociate's Degree · $59,240 reported+34%vs same-degree national median$15,125federal debt3Business Administration, Management and OperationsBachelor's Degree · $72,805 reported+7%vs same-degree national median$20,127federal debt4Special Education and TeachingMaster's Degree · $67,666 reported+5%vs same-degree national medianNot availablefederal debt5Psychology, GeneralMaster's Degree · $67,785 reported+5%vs same-degree national medianNot availablefederal debt6Sports, Kinesiology, and Physical Education/FitnessMaster's Degree · $64,699 reported+4%vs same-degree national medianNot availablefederal debt
Comparable colleges in FL
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Sanford, FL
Seminole State College of Florida
- Annual net price
- $8,970
- Observed earnings · year 5
- $49,463
- Modeled 10-year ROI
- -79%
Florida SouthWestern State College
- Annual net price
- $7,247
- Observed earnings · year 5
- $50,193
- Modeled 10-year ROI
- -75%
Polk State College
- Annual net price
- $9,427
- Observed earnings · year 5
- $48,130
- Modeled 10-year ROI
- -86%
University of North Florida
- Annual net price
- $10,154
- Observed earnings · year 5
- $55,626
- Modeled 10-year ROI
- -52%
Compare fields and degree levels
Showing the 40 highest-earning records from 42 field-and-degree records. Use the program directory to search the complete set.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Public Health | Master's Degree | $111,363 | Not available | Not reported |
| Computer and Information Sciences, General | Master's Degree | $110,932 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Master's Degree | $104,818 | Not available | Not reported |
| Electrical, Electronics, and Communications Engineering | Bachelor's Degree | $91,813 | $17,978 | Not reported |
| Accounting and Related Services | Master's Degree | $90,113 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $89,346 | $21,740 | Not reported |
| Business Administration, Management and Operations | Master's Degree | $87,186 | Not available | Not reported |
| Computer and Information Sciences, General | Bachelor's Degree | $79,520 | $19,385 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $72,805 | $20,127 | Not reported |
| Mathematics | Master's Degree | $70,298 | Not available | Not reported |
| Educational Administration and Supervision | Master's Degree | $69,829 | Not available | 0 |
| Psychology, General | Master's Degree | $67,785 | Not available | Not reported |
| Special Education and Teaching | Master's Degree | $67,666 | Not available | Not reported |
| Business/Commerce, General | Bachelor's Degree | $67,651 | $22,500 | Not reported |
| Finance and Financial Management Services | Bachelor's Degree | $66,463 | $20,500 | Not reported |
| Clinical/Medical Laboratory Science/Research and Allied Professions | Bachelor's Degree | $65,285 | $21,032 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Master's Degree | $64,699 | Not available | Not reported |
| Curriculum and Instruction | Master's Degree | $60,517 | Not available | 16 |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $59,240 | $15,125 | Not reported |
| Health Services/Allied Health/Health Sciences, General | Bachelor's Degree | $55,704 | $23,385 | Not reported |
| Mental and Social Health Services and Allied Professions | Master's Degree | $53,287 | Not available | Not reported |
| Communication and Media Studies | Bachelor's Degree | $51,352 | $20,000 | Not reported |
| Accounting and Related Services | Bachelor's Degree | $50,908 | $19,786 | Not reported |
| Natural Resources Conservation and Research | Bachelor's Degree | $50,746 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $50,019 | Not available | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $48,645 | $22,188 | Not reported |
| Biology, General | Bachelor's Degree | $48,576 | $18,500 | Not reported |
| Special Education and Teaching | Bachelor's Degree | $47,968 | $29,750 | Not reported |
| Social Sciences, General | Bachelor's Degree | $47,535 | $22,916 | Not reported |
| Criminal Justice and Corrections | Bachelor's Degree | $46,631 | $21,776 | Not reported |
| Social Work | Bachelor's Degree | $45,806 | $17,373 | Not reported |
| Legal Support Services | Bachelor's Degree | $45,338 | $19,250 | Not reported |
| Psychology, General | Bachelor's Degree | $45,101 | $17,915 | Not reported |
| International Relations and National Security Studies | Bachelor's Degree | $43,652 | $14,799 | Not reported |
| History | Bachelor's Degree | $42,219 | $17,313 | Not reported |
| Fine and Studio Arts | Bachelor's Degree | $42,115 | $16,750 | Not reported |
| Hospitality Administration/Management | Bachelor's Degree | $38,420 | $18,000 | Not reported |
| English Language and Literature, General | Bachelor's Degree | $33,671 | $14,000 | Not reported |
| Mechanical Engineering | Bachelor's Degree | Not available | $18,500 | Not reported |
| Engineering Technologies/Technicians, General | Bachelor's Degree | Not available | $23,000 | Not reported |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Search every University of West Florida program record →Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.