Analysis
Based on comparable accounting programs in Virginia, students here likely earn around $53,000 in their first year—right in line with the state median—but carry nearly twice the typical debt load at an estimated $54,000. While the earnings figure appears reasonable for entry-level accounting work, that debt estimate comes from just three similar institutions in Virginia and stands out as substantially higher than both the state median of $26,000 and the national median of $25,000 for bachelor's accounting programs.
The debt-to-earnings ratio of 1.02 means graduates would owe roughly their entire first year's salary, which puts significant pressure on a new accountant's budget. With 71% of students receiving Pell grants, many families here are already stretching financially, and taking on double the typical debt for market-rate earnings creates a difficult payback timeline. Programs at James Madison ($72,000 in earnings, likely lower debt) or Virginia Tech ($70,000) demonstrate that Virginia students can access stronger outcomes elsewhere.
The key concern isn't the career itself—accounting offers stable employment—but rather whether this specific program's cost structure makes sense when peer institutions typically produce similar earnings with half the debt burden. If American National is the only accessible option geographically or schedule-wise, understand you're likely facing a longer runway to financial stability than accounting graduates from most other programs.
Where American National University Stands
Earnings vs. debt across all accounting bachelors's programs nationally
Compare to Similar Programs in Virginia
Accounting bachelors's programs at peer institutions in Virginia (32 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,735 | $53,319* | — | $54,380* | — | |
| $64,525 | $81,625* | $101,332 | $16,750* | 0.21 | |
| $13,576 | $71,563* | $81,138 | $22,484* | 0.31 | |
| $62,600 | $71,508* | $86,270 | $20,757* | 0.29 | |
| $15,478 | $70,303* | $82,394 | $18,500* | 0.26 | |
| $13,815 | $67,291* | $80,027 | $21,500* | 0.32 | |
| National Median | — | $53,694* | — | $25,000* | 0.47 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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 American National University, approximately 71% 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 median of 16 similar programs in VA. Actual outcomes may vary.