Analysis
A debt load of $23,350 for a bachelor's degree is manageable territory—half a year's expected earnings—but the real question is whether this specific program at Alabama A&M can deliver returns above what these national estimates suggest. With 64% of students receiving Pell grants, many families here are counting on strong employment outcomes to justify the investment.
The challenge is that we're working entirely from comparable programs elsewhere. Similar entrepreneurship bachelor's programs nationally produce first-year earnings around $45,000, which translates to monthly payments of roughly $240 on standard repayment—about 6% of gross pay. That's workable math. However, entrepreneurship programs vary wildly in their effectiveness depending on local business ecosystems, alumni networks, and internship pipelines. A program in Normal, Alabama faces different market dynamics than one in Birmingham or Huntsville, and these estimates can't capture those differences.
For families considering this path, the immediate concern is verification. Before committing, you need to understand what distinguishes Alabama A&M's entrepreneurship track from the national pool it's being compared against. What local businesses recruit here? What do recent graduates actually earn in their first jobs? The estimated numbers suggest reasonable risk, but without program-specific outcomes, you're essentially betting that this school performs at least as well as the typical entrepreneurship program nationwide—a bet that requires more evidence than estimates can provide.
Where Alabama A & M University Stands
Earnings vs. debt across all entrepreneurial and small business operations bachelors's programs nationally
Compare to Similar Programs Nationally
Entrepreneurial and Small Business Operations bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,024 | $45,265* | — | $23,350* | — | |
| $67,680 | $74,446* | — | $19,000* | 0.26 | |
| $68,230 | $67,900* | $111,654 | $18,000* | 0.27 | |
| $12,643 | $65,177* | $79,087 | —* | — | |
| $57,220 | $65,028* | — | $25,292* | 0.39 | |
| $13,626 | $64,211* | $76,811 | $23,962* | 0.37 | |
| National Median | — | $45,265* | — | $24,125* | 0.53 |
Career Paths
Occupations commonly associated with entrepreneurial and small business operations graduates
Chief Executives
Chief Sustainability Officers
General and Operations Managers
Business Teachers, Postsecondary
Personal Service Managers, All Other
Fitness and Wellness Coordinators
Spa Managers
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Loss Prevention Managers
Wind Energy Operations Managers
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Alabama A & M University, approximately 64% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 67 similar programs. Actual outcomes may vary.