Analysis
Is an associate's degree in accounting from a small Florida vocational school worth roughly $24,000 in debt? The answer hinges on data we don't have for CBT Technology Institute specifically. Based on similar accounting programs statewide, first-year earnings around $39,000 would put graduates right at Florida's median—competitive with community colleges like Valencia and Broward, though behind private schools like Keiser that report closer to $48,000. That debt-to-earnings ratio of 0.61 sits in a manageable range, suggesting roughly seven months of gross income to cover the total borrowed.
What matters here is context: CBT serves an entirely Pell-eligible student body, meaning your child would be learning alongside peers who need maximum financial aid. Whether that's an advantage (focused support services, mission-driven faculty) or a concern (potentially fewer resources than better-funded institutions) depends on how the school delivers its program. The fact that no actual outcome data exists—likely due to small graduating classes—makes it impossible to verify whether CBT's graduates match, exceed, or fall short of these statewide benchmarks.
If you're considering CBT, insist on talking to recent graduates or getting job placement specifics. With 40 accounting programs across Florida, many reporting actual outcomes, you need concrete evidence that this particular school justifies both the cost and the risk of choosing a program without verified results.
Where CBT Technology Institute-Cutler Bay Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in Florida
Accounting associates's programs at peer institutions in Florida (40 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $13,150 | $39,114* | — | $23,823* | — | |
| $24,136 | $48,117* | $43,871 | $29,000* | 0.60 | |
| $15,117 | $43,765* | $44,358 | $23,823* | 0.54 | |
| $16,088 | $41,019* | — | $24,811* | 0.60 | |
| $2,474 | $37,209* | $35,810 | $14,806* | 0.40 | |
| $2,830 | $36,970* | $36,384 | —* | — | |
| 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 CBT Technology Institute-Cutler Bay, approximately 100% 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 6 similar programs in FL. Actual outcomes may vary.