Human Resources Management and Services at American InterContinental University System

Based on comparable HR programs in Arizona, this degree comes with an estimated $38,233 in debt—roughly $7,500 more than what's typical for HR bachelor's degrees in the state and over $11,600 above the national median. That debt load paired with projected first-year earnings around $54,000 creates a ratio of 0.71, meaning you'd be borrowing about 71% of what you're likely to earn in your first year out.

The earnings estimate itself sits right at Arizona's median for HR programs and slightly above the national benchmark, which is encouraging. However, the higher debt figure matters significantly for a school serving predominantly Pell-eligible students (73%). Similar programs at University of Phoenix and University of Arizona appear to produce comparable or better salary outcomes, potentially with less borrowing, though complete data comparisons aren't available.

The real concern is whether the debt premium makes sense. If this program offers scheduling flexibility, career services, or other supports that align with your child's circumstances, the extra borrowing might be justified. But with peer institutions in Arizona showing similar earning potential, you'll want to understand exactly what you're paying extra for—and whether those benefits outweigh starting a career with above-average student loans in a field where salaries grow steadily but aren't spectacular from day one.