Finance and Financial Management Services: Binghamton University vs Utah Valley University
Head-to-Head
| Binghamton University | Utah Valley University | |
|---|---|---|
| Earnings Multiple (In-State) | 23.7x | 32.8x |
| Earnings Multiple (Out-of-State) | 8.3x | 11.5x |
| 4-Year Tuition (In-State) | $41,452 | $25,080 |
| Year 1 Earnings | $73,598 | $60,947 |
| 10-Year Earnings | $981K | $823K |
| Median Debt | $15,363 | $10,949 |
| Debt-to-Earnings Ratio | 2.5 months | 2.2 months |
| DegreeWorth Score (In-State) | 84/100 | 83/100 |
Both programs have very high AI automation risk (55% task exposure) — the same career paths apply to Finance and Financial Management Services graduates regardless of school. See full AI analysis →
ROI Breakdown
How tuition costs translate into long-term earnings for Finance and Financial Management Services graduates.
| Binghamton University | Utah Valley University | |
|---|---|---|
| 4-Year Tuition (In-State) | $41,452 | $25,080 |
| 4-Year Tuition (Out-of-State) | $117,812 | $71,320 |
| 10-Year Projected Earnings | $981K | $823K |
| Earnings Multiple (In-State) | 23.7x | 32.8x |
| Earnings Multiple (Out-of-State) | 8.3x | 11.5x |
| 5-Year Salary Growth | +58% | +53% |
"Earnings Multiple" = projected 10-year earnings ÷ 4-year tuition. Higher is better. Not a discounted financial ROI.
AI Disruption Scenarios
Both schools share identical AI exposure for Finance and Financial Management Services (same career paths). The score differences below reflect how each school's earnings and ROI hold up under stress.
| Binghamton University | Utah Valley University | |||||
|---|---|---|---|---|---|---|
| Optim. | Base | Pessim. | Optim. | Base | Pessim. | |
| 10-Year Earnings | $1,049K | $981K | $824K | $869K | $823K | $708K |
| Earnings Multiple (IS) | 25.3x | 23.7x | 19.9x | 34.6x | 32.8x | 28.2x |
| DegreeWorth Score | 86 | 84 | 79 | 85 | 83 | 79 |
For the full AI analysis of Finance and Financial Management Services career paths, see the Binghamton University or Utah Valley University program pages.
Earnings Trajectory Comparison
Projected annual earnings for Finance and Financial Management Services graduates. Year 1 uses actual reported data.
Career Paths
Finance and Financial Management Services graduates from both schools map to the same career paths. Differences in earnings reflect school prestige, location, and employer networks.
| Career Path | Wage | Openings/yr | Growth | AI Risk |
|---|---|---|---|---|
| Chief executives | $206,420 | 22,200 | +4.3% | 56% |
| Financial managers | $161,700 | 74,600 | +14.8% | 50% |
| Financial risk specialists | $106,000 | 4,800 | +6.5% | 53% |
| General and operations managers | $102,950 | 308,700 | +4.4% | 48% |
| Personal financial advisors | $102,140 | 24,100 | +9.6% | 50% |
| Financial and investment analysts | $101,350 | 25,100 | +5.7% | 46% |
| Business teachers, postsecondary | $97,270 | 8,100 | +5.7% | 49% |
| Budget analysts | $87,930 | 3,100 | +1.0% | 52% |