How much debt do University of Toledo civil engineering graduates have?

The median federal loan balance is $20,500, which ranks the lowest of 10 civil engineering bachelor's programs in Ohio. That works out to about $217 a month over 10 years.

Is a civil engineering degree from University of Toledo worth it?

On the numbers, yes for most students. Debt equals 29% of first-year earnings, against a national median of 35%. If the highest possible early salary is the main goal, several Ohio programs report higher pay, usually with more debt.

Do University of Toledo civil engineering graduates stay in Ohio?

Most do. 84% (36 of 43) were working in Ohio one year after graduating.

University of Toledo Civil Engineering (Bachelor's): Tuition, Graduate Salary, and Debt

Bachelor's in Civil Engineering
Public university
Toledo, OH
About 31 graduates a year

College Scorecard June 2026 release · BLS wages May 2025

The short answer

University of Toledo civil engineering graduates earn about what civil engineering graduates earn nationally, $70,388 in their first year. Where this program stands out is debt. The typical graduate leaves with $20,500 in federal loans, less than at 78% of civil engineering programs in the country. Strong value, but not one of the highest-paying civil engineering degrees in Ohio.

First-year earnings$70,38856th percentile of 207 programs nationally

Earnings after 5 years$76,3458% more than year one

Median federal debt$20,500The lowest of 10 Ohio programs

Debt-to-earnings29%Ohio median 36%, national 35%

How it compares

Each figure is the median for graduates of the program. The Ohio and national columns are the medians across all civil engineering bachelor's programs that report the figure.

	University of Toledo	Ohio	National
Earnings, 1 year after graduating	$70,388	$68,080	$69,582
Earnings, 5 years after graduating	$76,345	$77,310	$85,897
Median federal debt at graduation	$20,500	$25,576	$24,500
Debt as share of first-year pay	29%	36%	35%
Programs compared		10	207

Five years out, University of Toledo graduates earn less than the national figure and about the same as the Ohio median.

Debt and first-year pay at every Ohio civil engineering program

Programs in the upper left give graduates higher pay for less debt. Dashed lines mark the Ohio medians.

University of ToledoOther Ohio programs

Hover over or tap a dot to see the school. Only programs that report both earnings and debt are shown.

What graduates earn over time

Pay rises about 8% between the first and fifth year.

University of Toledo grads, year 1$70,388

University of Toledo grads, year 5$76,345

All Ohio civil engineering grads, year 5$77,310

Year 1 and year 5 figures come from different graduating classes, so the growth rate is an estimate.

Does family income change the outcome?

Graduates who received Pell Grants, which go to students from lower-income families, earned slightly more in their first year than other graduates. At this program, the outcome does not look worse for students with less money.

Pell Grant recipients, year 1 earnings$71,307

Other graduates, year 1 earnings$69,346

Paying back the loans

On a standard 10-year plan, the median debt means a payment of about $217 a month, or 3.7% of a graduate's typical monthly pay in the first year.

Two years into repayment (43 borrowers)	Share
Paid off in full	20–39%
Paying down the balance	20–39%

The government publishes these as ranges to protect privacy. They were measured in 2018 to 2020, partly during the pandemic pause on federal loan payments, so the forbearance share may be higher than usual. Separately, 19 parents took out Parent PLUS loans for these students, with a median of $22,310.

Where graduates work, and what the pay is worth

84% of graduates (36 of 43) were working in Ohio one year after graduating. Prices in the Toledo area are about 9% below the national average, so a $70,388 salary here buys what about $76,965 buys in a typical US city.

Careers this field leads to

These are the jobs that the federal crosswalk from fields of study to occupations links to civil engineering, largest first. Pay is the median across all experience levels.

Civil Engineers

$96,220

Median pay in Ohio. 10,560 people work in this job in Ohio. Nationally, jobs are projected to grow 6% from 2025 to 2035, with about 22,700 openings a year. Typical education to start: bachelor's degree.

Bottom 10%: $65,170Top 10%: $144,620

Architectural and Engineering Managers

$166,870

Median pay in Ohio. 9,690 people work in this job in Ohio. Nationally, jobs are projected to grow 6% from 2025 to 2035, with about 14,900 openings a year. Typical education to start: bachelor's degree, plus 5 years or more of related work experience.

Bottom 10%: $117,640Top 10%: $220,990

Environmental Engineers

$113,180

Median pay in Ohio. 730 people work in this job in Ohio. Nationally, jobs are projected to grow 6% from 2025 to 2035, with about 2,300 openings a year. Typical education to start: bachelor's degree.

Bottom 10%: $69,000Top 10%: $145,490

Petroleum Engineers

$99,260

Median pay in Ohio. 200 people work in this job in Ohio. Nationally, jobs are projected to grow 2% from 2025 to 2035, with about 1,000 openings a year. Typical education to start: bachelor's degree.

Bottom 10%: $79,010Top 10%: $139,440

About University of Toledo

In-state tuition and fees	$12,744 / year
Out-of-state tuition and fees	$22,104 / year
Average net price after aid	$17,249 / year
Admission rate	92%
Graduation rate (within 6 years)	57%
Undergraduate students	9,770

Civil Engineering ranks 6th of 39 bachelor's programs at University of Toledo by first-year earnings. The top three are Electrical Engineering ($80,876), Chemical Engineering ($79,750), and Mechanical Engineering ($77,011).

Other civil engineering bachelor's programs near Toledo

School	Distance	Year 1 pay	Debt
University of ToledoToledo, OH · public		$70,388	$20,500
University of MichiganAnn Arbor, MI · public	43 mi	$67,764	$18,750
Wayne StateDetroit, MI · public	56 mi	$73,488	$30,548
Lawrence Technological UniversitySouthfield, MI · private nonprofit	59 mi	$77,836	$30,197

Common questions

The median graduate earns $70,388 one year after graduating and $76,345 five years after. The median across civil engineering bachelor's programs in Ohio is $68,080.

About this data

Earnings and debt only include students who received federal financial aid (grants or loans).
Earnings only count graduates who were working and not enrolled in more school. Graduates who went straight to further study are not included.
Debt only includes federal loans. Private loans and credit cards are not counted.
Some schools with several campuses report one combined figure for all of them. We count each of those schools once, and leave them out of Ohio comparisons when their main campus is in another state.
Scorecard figures describe graduating classes from several years ago. BLS wages are from May 2025.
School-level numbers like tuition, admission rate, and graduation rate are for the whole school, not the civil engineering program.

Sources

U.S. Department of Education, College Scorecard, field of study and institution files, June 2026 release
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025
Bureau of Labor Statistics, Employment Projections 2025 to 2035
Bureau of Economic Analysis, Regional Price Parities, 2024
NCES, CIP 2020 to SOC 2018 crosswalk, and IPEDS institution directory, 2024

Civil Engineering bachelor's programs in Ohio, ranked10 programs by pay and debt Civil Engineering bachelor's programs in the US, ranked207 programs by pay and debt All University of Toledo programs, ranked39 programs by pay and debt