Human Development, Family Studies, at American Public University System

American Public University System charges significantly more than the typical program in this field—graduates carry nearly double the national median debt ($20,964 vs. $11,160). But here's what matters: they're earning $31,857 one year out, placing them in the 95th percentile nationally for human development certificates. That's $10,000+ above what most graduates in this field make, and it comfortably covers the higher debt burden with a ratio of 0.66.

The state comparison is harder to interpret. APUS ranks at the 60th percentile among West Virginia's five programs, but with a moderate sample size across a small number of schools, these rankings may not tell the full story. What's clear is that this online university's graduates are substantially out-earning the national field, which matters more if your child plans to work outside West Virginia.

The real question is whether the premium is worth it. If this certificate opens doors to specific roles that justify the extra borrowing, the strong earnings outcome suggests it does. But if comparable programs at community colleges can deliver similar career access at half the debt, the calculation changes. For a certificate program specifically, make sure the career pathway is well-defined before taking on nearly $21,000 in loans.