Analysis
An estimated $16,000 in debt paired with first-year earnings around $37,000 creates a manageable debt-to-earnings ratio of 0.43—well below the concerning 1.0 threshold where debt equals a full year's salary. Similar accounting associate's programs nationally report median debt of $19,354, suggesting Arizona Western's estimated borrowing level positions graduates favorably compared to peers nationwide.
The earnings picture requires perspective. While comparable programs across Arizona's 21 schools show median first-year earnings of $38,076—slightly above the estimated $37,000 here—this program tracks with the national median for accounting associate's degrees. Nearby Pima Community College reports actual outcomes of $37,358, and given Yuma's lower cost of living compared to Tucson or Phoenix metro areas, real purchasing power may be stronger than the raw numbers suggest. The challenge is that we don't have this school's actual graduate outcomes to know whether their students match these peer benchmarks.
For a two-year accounting credential serving a community where 39% of students receive Pell grants, the estimated debt load stays accessible while building toward entry-level accounting roles. The key uncertainty is whether Arizona Western's specific program delivers the same outcomes as the comparable programs these estimates draw from—something you'd want to verify through the school's own graduate success data or employer connections in the Yuma region.
Where Arizona Western College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in Arizona
Accounting associates's programs at peer institutions in Arizona (21 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,020 | $37,001* | — | $15,979* | — | |
| $9,552 | $38,794* | $39,413 | $24,793* | 0.64 | |
| $2,370 | $37,358* | $34,454 | $12,098* | 0.32 | |
| National Median | — | $37,000* | — | $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 Arizona Western College, approximately 39% 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.