-100%
3-year cohort default rate
3-year cohort default rate at Bellarmine University fell 100% between 2021 and 2024 (0.9% → 0.0%).
Kentucky · Private nonprofit · Predominantly bachelor's
Bellarmine University
Louisville, Kentucky. 2,286 undergraduate students. 69 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Bellarmine University
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+40%
Private nonprofit bachelor's-predominant peer
10-year earnings at Bellarmine University are 40% above the private nonprofit bachelor's-predominant peer median ($62.1k vs $44.2k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Kentucky
Each tile compares this institution to the Kentucky median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$62,069+25% · 6→10y
Kentucky median $37,114$49,819
Treasury earnings · 6y post-entry67.8%+7% · '97→'24
Kentucky median 49.7%$20,000+115% · '97→'20
At program completion2,286+32% · '96→'24
latest IPEDS75.1%-9% · '04→'24
first-time, full-time93.6%+3% · '01→'24
latest cohort$47,180+254% · '00→'24
out-of-state $47,180SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
4.3%Median federal debt $20,000 amortized over 10 years vs. median earnings $62,069 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+24%
Bellarmine University · completion · 100% rose
45.7% → 56.7%
+32%
Bellarmine University · undergrad enrollment rose
1,639 → 2,161
+254%
Bellarmine University · in-state tuition rose
$13,760 → $48,770
+254%
Bellarmine University · out-of-state tuition rose
$13,760 → $48,770
+115%
Bellarmine University · median debt rose
$11,625 → $25,000
-100%
Bellarmine University · cohort default rate fell
5.6% → 0.0%
+98%
Bellarmine University · pell share rose
15.5% → 30.7%
+36%
Bellarmine University · earnings_median_10yr rose
$45,800 → $62,069
+26%
Bellarmine University · earnings_median_8yr rose
$43,700 → $55,131
+29%
Bellarmine University · earnings_median_6yr rose
$38,500 → $49,819
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$105,636Business/Commerce, General.$103,952Educational Administration and Supervision.$76,650Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$76,649Rehabilitation and Therapeutic Professions.$75,550Biology, General.$67,798Business/Commerce, General.$61,519Teacher Education and Professional Development, Specific Levels and Methods.$52,400Communication and Media Studies.$51,043Political Science and Government.$50,223Psychology, General.$50,098Health and Physical Education/Fitness.$47,289Teacher Education and Professional Development, Specific Levels and Methods.$45,799Special Education and Teaching.$45,601Criminal Justice and Corrections.$39,311
SECTION 06 · BY CIP FAMILY
15 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
EDUCATION · CIP 13
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
PARKS, RECREATION & FITNESS · CIP 31
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
SOCIAL SCIENCES · CIP 45
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Bellarmine University
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$711,448
Over 40 years, discounted 5.0%
BREAKEVEN
Year 7
First year cumulative discounted earnings cross zero
- Cost per year
- $20,870
- HS-only baseline · KY
- $33,900
- Years to complete
- 4
- CIP family
- 51
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Kentucky
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Bellarmine University graduates earn $X” — not “Bellarmine University makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Bellarmine University caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.