Location: Mishawaka, IN•In-State Tuition: $33,320•Admission Rate: 99%•Avg SAT: 1073
Est. Earnings (1yr)
$44,789
Est. from IN median (4 programs)
Est. Median Debt
$24,509
Est. from national median (19 programs)

Analysis

Similar business associate's programs in Indiana suggest first-year earnings around $45,000—respectable for a two-year degree and slightly above the national median for this credential. However, that income estimate comes paired with roughly $24,500 in debt, which is nearly double what students at comparable business programs nationally typically borrow. This debt load creates a debt-to-earnings ratio of 0.55, meaning more than half a year's salary goes toward what was borrowed for the degree.

The context matters here: Bethel's nearly open admission and modest test scores suggest it serves students who may have limited alternatives, and 35% receive Pell grants. For these students, an associate's degree can be a pathway to better employment. But the elevated debt—closer to what you'd expect for a bachelor's degree—undermines the typical advantage of two-year programs: keeping costs manageable while building skills.

Look hard at whether this specific path makes financial sense. Other Indiana schools like Vincennes produce similar outcomes with presumably lower debt burdens for associate's degrees. If your child is set on Bethel, explore whether they can reduce borrowing through work-study, community college transfer credits, or accelerated completion. The earnings potential exists, but only if the debt doesn't consume it.

Where Bethel University Stands

Earnings vs. debt across all business/commerce associates's programs nationally

Bethel University (estimated ±10%)Other business/commerce programs

Dashed lines show national medians. Upper-left = best value.

Compare to Similar Programs in Indiana

Business/Commerce associates's programs at peer institutions in Indiana (12 total in state)

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SchoolIn-State TuitionEarnings (1yr)*Earnings (4yr)Median Debt*Debt/Earnings
Bethel UniversityMishawaka$33,320$44,789*—$24,509*—
Indiana Wesleyan University-MarionMarion$31,168$49,463*$54,966$25,149*0.51
Indiana Wesleyan University-National & GlobalMarion$8,216$49,463*$54,966$25,149*0.51
Vincennes UniversityVincennes$6,886$40,115*$33,112$10,668*0.27
Purdue University GlobalWest Lafayette$10,110$37,929*$38,111$23,354*0.62
National Median—$36,591*—$13,437*0.37
* Estimated from similar programs

Career Paths

Occupations commonly associated with business/commerce graduates

Sales Managers

Plan, direct, or coordinate the actual distribution or movement of a product or service to the customer. Coordinate sales distribution by establishing sales territories, quotas, and goals and establish training programs for sales representatives. Analyze sales statistics gathered by staff to determine sales potential and inventory requirements and monitor the preferences of customers.

$138,060/yrJobs growth:Bachelor's degree

Industrial Production Managers

Plan, direct, or coordinate the work activities and resources necessary for manufacturing products in accordance with cost, quality, and quantity specifications.

$121,440/yrJobs growth:Bachelor's degree

Quality Control Systems Managers

Plan, direct, or coordinate quality assurance programs. Formulate quality control policies and control quality of laboratory and production efforts.

$121,440/yrJobs growth:Bachelor's degree

Geothermal Production Managers

Manage operations at geothermal power generation facilities. Maintain and monitor geothermal plant equipment for efficient and safe plant operations.

$121,440/yrJobs growth:Bachelor's degree

Biofuels Production Managers

Manage biofuels production and plant operations. Collect and process information on plant production and performance, diagnose problems, and design corrective procedures.

$121,440/yrJobs growth:Bachelor's degree

Biomass Power Plant Managers

Manage operations at biomass power generation facilities. Direct work activities at plant, including supervision of operations and maintenance staff.

$121,440/yrJobs growth:Bachelor's degree

Hydroelectric Production Managers

Manage operations at hydroelectric power generation facilities. Maintain and monitor hydroelectric plant equipment for efficient and safe plant operations.

$121,440/yrJobs growth:Bachelor's degree

Construction Managers

Plan, direct, or coordinate, usually through subordinate supervisory personnel, activities concerned with the construction and maintenance of structures, facilities, and systems. Participate in the conceptual development of a construction project and oversee its organization, scheduling, budgeting, and implementation. Includes managers in specialized construction fields, such as carpentry or plumbing.

$106,980/yrJobs growth:Bachelor's degree

Administrative Services Managers

Plan, direct, or coordinate one or more administrative services of an organization, such as records and information management, mail distribution, and other office support services.

$106,880/yrJobs growth:Bachelor's degree

Facilities Managers

Plan, direct, or coordinate operations and functionalities of facilities and buildings. May include surrounding grounds or multiple facilities of an organization's campus.

$106,880/yrJobs growth:Bachelor's degree

Security Managers

Direct an organization's security functions, including physical security and safety of employees and facilities.

$106,880/yrJobs growth:Bachelor's degree

Chief Executives

Determine and formulate policies and provide overall direction of companies or private and public sector organizations within guidelines set up by a board of directors or similar governing body. Plan, direct, or coordinate operational activities at the highest level of management with the help of subordinate executives and staff managers.

$105,350/yrJobs growth:Bachelor's degree
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 Bethel University, approximately 35% 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 4 similar programs in IN. Actual outcomes may vary.