Analysis
An estimated debt load of $16,000 for an associate degree in accounting compares favorably to what similar programs nationwide typically require. Peer programs across the country show a median debt of $19,354, meaning this Maryland community college appears positioned below the national borrowing norm. At 43% of first-year earnings, the debt-to-income ratio falls well within manageable territoryβyou're looking at roughly five months of gross salary to cover the entire credential cost.
The bigger uncertainty lies in the earnings trajectory. Based on comparable accounting associate degree programs, graduates typically earn around $37,000 in their first year, which represents entry-level positioning in the field. Maryland's accounting market supports 16 programs at this level, suggesting decent regional demand, though the lack of reported outcomes from any of them makes it harder to assess Anne Arundel specifically. Accounting credentials generally lead to clearer career paths than many two-year degrees, with natural progression opportunities as graduates gain certifications or complete bachelor's degrees.
For an anxious parent, the estimated math works: modest debt, relatively quick completion time, and a field with defined career ladders. The caveat is that these figures reflect national patterns rather than Anne Arundel's actual graduate outcomes. If your student plans to work in the Baltimore-Washington corridor where living costs run high, confirm that local entry-level accounting positions align with these earnings estimates before committing.
Where Anne Arundel Community College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs Nationally
Accounting associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,178 | $37,001* | β | $15,979* | β | |
| $2,550 | $58,469* | $44,916 | $22,215* | 0.38 | |
| $8,216 | $52,576* | $50,545 | $24,956* | 0.47 | |
| $31,168 | $52,576* | $50,545 | $24,956* | 0.47 | |
| $5,050 | $49,685* | $48,712 | β* | β | |
| $6,270 | $48,832* | β | $19,254* | 0.39 | |
| National Median | β | $37,000* | β | $19,354* | 0.52 |
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 Anne Arundel Community College, approximately 20% 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 national median of 118 similar programs. Actual outcomes may vary.