Business Operations Support and Assistant Services at American Institute-Toms River

With earnings of $22,347 and debt of $8,541, American Institute-Toms River's business operations certificate hits the 60th percentile among New Jersey programs—essentially matching the state median. That positioning matters because this certificate falls below the national median of $25,094, ranking only in the 34th percentile nationally. For families choosing between in-state options, this program performs competitively within New Jersey's landscape, though the state itself appears to lag behind national norms for this credential.

The debt load presents a reasonable picture at first glance: graduates owe less than half their first-year earnings, and the absolute amount of $8,541 is manageable. However, the 75th percentile debt ranking nationally (meaning three-quarters of similar programs saddle students with less debt) suggests this school charges more than most competitors. Given that 78% of students receive Pell grants, this combination of higher-than-typical debt and below-average earnings creates financial pressure for the predominantly low-income student body.

For parents considering this certificate, the core question is whether $22,000 in starting earnings justifies even modest debt when the national average sits $2,700 higher. If your child needs to stay in New Jersey, this program won't put them behind state peers. But if they have mobility or could access better-performing programs elsewhere, those extra earnings compound significantly over a career. This works as a local option, not a standout investment.