Money influences nearly every decision a student makes — from where to enroll and what to eat to whether a simple coffee break fits within their budget. With both student debt and tuition costs on the rise, financial anxiety has become a daily reality for many.
To better understand these financial pressures and the emotions behind them, Wallethub’s 2025 Student Money Survey gathered insights from about 190 full-time and part-time students at two- and four-year schools across the country. This year’s findings paint a clear picture: 81% of students believe tuition costs are out of control, and nearly one in four question whether their education is truly worth the investment.
THE FINANCIAL REALITIES FOR STUDENTS
For business students especially, tuition isn’t just another bill — it’s an investment in their ambitions. Many find themselves wondering, “Will this degree pay off?” or “Will the job market welcome me with open arms?”
These concerns are real. Forty-four percent of students fear they won’t land a job after graduation. Another 33% stress over looming student loan debt, while 18% are already bracing for credit card burdens. The pressure to succeed is not only academic — it’s financial, too.
While students grapple with these concerns, WalletHub is also highlighting potential solutions, particularly around responsible credit-building. Among their recommendations: the Petal® 2 Visa® Credit Card, which offers students a way to build credit without an annual fee and with cash-back incentives.
CONSIDERING A SCHOOL’S ROI
Despite the high stakes, many business students feel unprepared to manage their personal finances after graduation. In fact, two-thirds say their schools haven’t adequately equipped them with the financial literacy skills needed for life beyond campus.
This gap in preparedness has fueled ongoing debates around student loans, especially as the cost of a business degree at a top-tier program now exceeds $200,000. That’s where return on investment — or ROI — becomes a key factor.
The right program can significantly influence financial outcomes, turning tuition costs into a strategic investment rather than a financial burden. UNC Kenan-Flagler, for example, offers one of the highest ROI: In-state graduates in Chapel Hill are projected to earn $339,002 more than they paid for their degree within five years.
Still, even with the potential for strong returns, nearly one in three students believe the government shouldn’t provide loans for those attending high-priced institutions.
