Business Operations Support and Assistant Services at American Institute-Somerset

At just over $22,000 in first-year earnings, this certificate delivers below-average income compared to similar programs nationally (34th percentile), though it actually matches the median for New Jersey business operations programs. The $8,541 in typical debt is manageable—graduates would owe about 38% of their first year's salary, which is reasonable for a short-term credential. However, earning $22,000 annually means living paycheck-to-paycheck in New Jersey's expensive market, even with relatively modest debt.

The program serves a predominantly low-income student body (82% receive Pell grants), and for students seeking quick workforce entry, the debt load won't be crushing. But the earnings themselves are barely above minimum wage territory for full-time work. You're looking at a credential that gets someone employed but not necessarily on a path to financial stability, particularly in a state where cost of living runs high.

The practical reality: this certificate opens doors to entry-level administrative positions, but your child will likely need additional training or experience to reach a living wage in New Jersey. It's a low-risk entry point into the workforce given the modest debt, but set realistic expectations about immediate earning power. If your child can live at home initially or has other financial support, this could serve as a stepping stone rather than a destination.