How much debt do University of Toledo human resources graduates have?

The median federal loan balance is $25,000, which ranks 6th lowest of 14 human resources bachelor's programs in Ohio. That works out to about $265 a month over 10 years.

Is a human resources degree from University of Toledo worth it?

It depends on your other options. Debt equals 59% of first-year earnings, against a national median of 53%. Compare the cost with other Ohio programs before deciding.

Do University of Toledo human resources graduates stay in Ohio?

Most do. 74% (61 of 82) were working in Ohio one year after graduating.

University of Toledo Human Resources (Bachelor's): Tuition, Graduate Salary, and Debt

Bachelor's in Human Resources Management and Services
Public university
Toledo, OH
About 56 graduates a year

College Scorecard June 2026 release · BLS wages May 2025

The short answer

University of Toledo human resources graduates earn less than graduates of most human resources programs nationally, $42,714 in their first year. The typical graduate leaves with $25,000 in federal loans, close to the national median of $26,442. Several Ohio programs report higher pay.

First-year earnings$42,71411th percentile of 151 programs nationally

Earnings after 5 years$62,12645% more than year one

Median federal debt$25,0006th lowest of 14 Ohio programs

Debt-to-earnings59%Ohio median 57%, national 53%

How it compares

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

	University of Toledo	Ohio	National
Earnings, 1 year after graduating	$42,714	$47,941	$50,383
Earnings, 5 years after graduating	$62,126	$63,259	$65,232
Median federal debt at graduation	$25,000	$25,744	$26,442
Debt as share of first-year pay	59%	57%	53%
Programs compared		14	151

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 human resources 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 45% between the first and fifth year.

University of Toledo grads, year 1$42,714

University of Toledo grads, year 5$62,126

All Ohio human resources grads, year 5$63,259

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 more in their first year than other graduates, but borrowed more: a median of $28,281 against $18,886.

Pell Grant recipients, year 1 earnings$43,912Median debt $28,281

Other graduates, year 1 earnings$36,884Median debt $18,886

Paying back the loans

On a standard 10-year plan, the median debt means a payment of about $265 a month, or 7.4% of a graduate's typical monthly pay in the first year.

Two years into repayment (67 borrowers)	Share
Paid off in full	20% or less
Paying down the balance	20–39%
Paused payments (forbearance)	20–39%
In default	20% or less

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, 20 parents took out Parent PLUS loans for these students, with a median of $16,163.

Where graduates work, and what the pay is worth

74% of graduates (61 of 82) were working in Ohio one year after graduating. Prices in the Toledo area are about 9% below the national average, so a $42,714 salary here buys what about $46,705 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 human resources, largest first. Pay is the median across all experience levels.

Human Resources Specialists

$70,180

Median pay in Ohio. 33,500 people work in this job in Ohio. Nationally, jobs are projected to grow 6% from 2025 to 2035, with about 73,700 openings a year. Typical education to start: bachelor's degree.

Bottom 10%: $45,950Top 10%: $118,340

Training and Development Specialists

$64,780

Median pay in Ohio. 17,690 people work in this job in Ohio. Nationally, jobs are projected to grow 11% from 2025 to 2035, with about 46,000 openings a year. Typical education to start: bachelor's degree, plus less than 5 years of related work experience.

Bottom 10%: $33,450Top 10%: $108,030

Compliance Officers

$75,030

Median pay in Ohio. 11,240 people work in this job in Ohio. Nationally, jobs are projected to grow 4% from 2025 to 2035, with about 32,700 openings a year. Typical education to start: bachelor's degree.

Bottom 10%: $47,230Top 10%: $124,230

Educational, Guidance, and Career Counselors and Advisors

$61,760

Median pay in Ohio. 13,250 people work in this job in Ohio. Nationally, jobs are projected to grow 3% from 2025 to 2035, with about 27,800 openings a year. Typical education to start: master's degree.

Bottom 10%: $43,010Top 10%: $99,810

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

Human Resources ranks 21st 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 human resources bachelor's programs near Toledo

School	Distance	Year 1 pay	Debt
University of ToledoToledo, OH · public		$42,714	$25,000
University of MichiganAnn Arbor, MI · public	43 mi	$82,714	$14,225
Tiffin UniversityTiffin, OH · private nonprofit	44 mi	$47,095	$41,613
UM-DearbornDearborn, MI · public	49 mi	$55,944	$22,831
Bluffton UniversityBluffton, OH · private nonprofit	55 mi	$55,253	$35,001
Wayne StateDetroit, MI · public	56 mi	$48,324	$24,213

Common questions

The median graduate earns $42,714 one year after graduating and $62,126 five years after. The median across human resources bachelor's programs in Ohio is $47,941.

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 human resources 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

Human Resources bachelor's programs in Ohio, ranked14 programs by pay and debt Human Resources bachelor's programs in the US, ranked151 programs by pay and debt All University of Toledo programs, ranked39 programs by pay and debt