Business/Commerce at Anoka-Ramsey Community College
Associate's Degree
Analysis
With earnings of nearly $40,000 in year one and $47,000 by year four, Anoka-Ramsey's business program delivers solid income growth—though it sits right in the middle of the pack compared to other Minnesota community colleges. While it outperforms the national median by about $3,400 initially, it slightly trails the state median, landing at the 40th percentile among Minnesota business programs. Century College, for instance, produces similar outcomes with graduates earning just a few hundred dollars more.
The debt picture is more favorable. At $20,750, graduates carry somewhat less than the typical Minnesota business student and considerably less than the national 75th percentile. The debt-to-earnings ratio of 0.52 means students borrow about half their first-year salary—manageable territory that shouldn't derail financial stability. The 17% earnings bump from year one to year four suggests graduates find their footing in the workforce reasonably well.
The caveat: this data reflects fewer than 30 graduates, so individual outcomes could vary significantly. But the fundamentals work—reasonable debt paired with earnings that beat the national average and grow steadily. For families looking at Minnesota community colleges for business education, Anoka-Ramsey offers a credible option at a price point that won't require years of financial recovery.
Where Anoka-Ramsey Community College Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.
Earnings Distribution
How Anoka-Ramsey Community College graduates compare to all programs nationally
Anoka-Ramsey Community College graduates earn $40k, placing them in the 62th percentile of all business/commerce associates programs nationally.
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.
Compare to Similar Programs in Minnesota
Business/Commerce associates's programs at peer institutions in Minnesota (23 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Anoka-Ramsey Community College | $39,962 | $46,752 | $20,750 | 0.52 |
| Century College | $40,489 | — | $19,750 | 0.49 |
| National Median | $36,591 | — | $13,437 | 0.37 |
Other Business/Commerce Programs in Minnesota
Compare tuition, earnings, and debt across Minnesota schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Century College White Bear Lake | $6,182 | $40,489 | $19,750 |
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 Anoka-Ramsey 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.
Sample Size: Based on 25 graduates with reported earnings and 41 graduates with debt data. Small samples may not be representative.