Analysis
A debt-to-earnings ratio of 0.65 looks manageable on paper—based on comparable marketing programs nationally, graduates typically earn around $42,000 in their first year while carrying about $27,000 in debt. That's roughly seven months of gross pay, which falls within reasonable bounds for an associate's degree. However, the estimated debt here runs notably higher than the national median of $19,000 for similar programs, adding about $8,000 more to repay on identical projected earnings.
The bigger question is whether an associate's degree in marketing provides enough specialized skills to justify the credential. Marketing is a field where experience, portfolio work, and self-taught digital skills often matter as much as formal education. Entry-level marketing roles—social media coordination, marketing assistants—are accessible with various educational backgrounds, and some employers value a bachelor's degree for advancement. With 57% of students receiving Pell grants, affordability matters significantly for Beckfield's student body, making that higher-than-typical debt load worth scrutinizing.
If your child is certain about marketing and needs credentials quickly to enter the workforce, this pathway could work—but shop around first. The above-average debt estimate compared to peer programs suggests exploring whether other Kentucky community colleges or online options might deliver similar outcomes at lower cost, or whether working while pursuing a bachelor's part-time offers better long-term positioning.
Where Beckfield College-Florence Stands
Earnings vs. debt across all marketing associates's programs nationally
Compare to Similar Programs Nationally
Marketing associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $13,295 | $41,955* | — | $27,167* | — | |
| $4,448 | $48,724* | $46,865 | $14,943* | 0.31 | |
| $16,450 | $45,084* | — | $22,546* | 0.50 | |
| $4,058 | $44,748* | — | $19,652* | 0.44 | |
| $10,899 | $44,293* | $44,488 | $27,167* | 0.61 | |
| $15,117 | $44,293* | $44,488 | $27,167* | 0.61 | |
| National Median | — | $41,955* | — | $19,149* | 0.46 |
Career Paths
Occupations commonly associated with marketing graduates
Advertising and Promotions Managers
Marketing Managers
Sales Managers
Fundraising Managers
Web and Digital Interface Designers
Video Game Designers
Business Teachers, Postsecondary
Market Research Analysts and Marketing Specialists
Search Marketing Strategists
Fundraisers
Survey Researchers
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 Beckfield College-Florence, approximately 57% 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 18 similar programs. Actual outcomes may vary.