Analysis
Business programs at Michigan community colleges typically produce first-year earnings around $37,500, but something unusual appears in Baker College's outcomes: earnings actually drop to $28,772 by the fourth year out. This backward trajectory—where graduates earn less after gaining work experience—raises questions about career sustainability or whether early employment opportunities fail to translate into advancement.
The estimated debt load of $24,509 adds pressure to this equation. While the debt-to-earnings ratio of 0.65 looks manageable on paper based on that initial $37,500 figure, it becomes far more concerning when measured against the actual reported fourth-year earnings. At that point, you're looking at debt nearly equivalent to a full year's salary. For context, similar programs at Davenport University produce $49,500 in earnings with comparable credentials, suggesting Baker's outcomes fall short of what's achievable in Michigan's business education market.
The core issue here is that earnings trajectory. An associate's degree should serve as either a solid career foundation or a stepping stone to further education, but declining income over four years suggests neither is happening reliably. Before committing, you'd want to understand why graduates aren't progressing financially—whether it's about the types of jobs students are taking, employer relationships, or local economic factors in the Owosso area. The estimates mean we're working with limited visibility, making direct conversations with recent graduates essential.
Where Baker College Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Baker College | — | $28,772 | — |
| Thomas More University | $83,571 | $68,202 | -18% |
| Davenport University | $49,530 | $48,012 | -3% |
| Macomb Community College | $37,532 | $47,984 | +28% |
| Henry Ford College | $34,003 | $39,692 | +17% |
Compare to Similar Programs in Michigan
Business/Commerce associates's programs at peer institutions in Michigan (19 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $12,810 | $37,532* | $28,772 | $24,509* | — | |
| $23,324 | $49,530* | $48,012 | $31,338* | 0.63 | |
| $3,600 | $37,532* | $47,984 | $10,281* | 0.27 | |
| $3,460 | $34,003* | $39,692 | $32,406* | 0.95 | |
| National Median | — | $36,591* | — | $13,437* | 0.37 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 Baker College, approximately 38% 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 3 similar programs in MI. Actual outcomes may vary.