Analysis
An estimated $13,000 in debt against first-year earnings around $36,000 suggests a manageable financial picture for this interdisciplinary associate's degree—assuming the estimates hold true for Carl Albert State College. These figures, drawn from comparable programs nationally, put the debt at just over a third of first-year income, which is well within what most financial advisors consider reasonable for an educational investment.
The challenge with interdisciplinary studies programs is that outcomes depend heavily on what students do with the degree. Similar programs across Oklahoma show earnings ranging from $34,000 to $37,000, but these figures represent widely different career paths—some graduates use the associate's as a stepping stone to a bachelor's degree, while others move directly into administrative, healthcare support, or business roles. The flexibility that makes these programs attractive also makes their value harder to pin down.
For families considering Carl Albert State College specifically, the key question is what comes next. If your student plans to transfer to complete a bachelor's degree, this could be an affordable launching point, especially given that nearly half the student body receives Pell grants. If they're planning to enter the workforce immediately, understand that the estimated $36,000 salary represents a starting point that could vary significantly based on local job markets and the specific skills they've developed. The debt load appears reasonable, but the actual return depends entirely on how your student leverages this broad credential.
Where Carl Albert State College Stands
Earnings vs. debt across all multi/interdisciplinary studies associates's programs nationally
Compare to Similar Programs in Oklahoma
Multi/Interdisciplinary Studies associates's programs at peer institutions in Oklahoma (14 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,230 | $35,979* | — | $13,012* | — | |
| $3,779 | $37,079* | $34,861 | $15,659* | 0.42 | |
| $3,768 | $34,213* | $35,893 | $14,014* | 0.41 | |
| National Median | — | $35,979* | — | $13,023* | 0.36 |
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 Carl Albert State College, approximately 49% 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 29 similar programs. Actual outcomes may vary.