Analysis
A debt-to-earnings ratio of 0.32 represents a manageable financial picture—comparable Computer Science associate's programs nationally suggest graduates earn around $39,000 in their first year while carrying roughly $12,500 in debt. That's less than four months of gross income, which puts borrowers in a reasonable position to handle repayment while building their careers in tech.
The challenge here is uncertainty. As the only associate's-level Computer Science program in New Mexico with available data, Central New Mexico Community College lacks in-state comparisons, and both the earnings and debt figures come from national peer programs rather than this school's actual graduate outcomes. The national benchmark of $39,000 reflects what similar two-year programs produce elsewhere, but local job markets vary considerably. Albuquerque's tech sector may offer different opportunities than the national average suggests, and without reported data from CNM itself, you're making decisions with limited visibility into how this specific program performs.
That said, the fundamentals work in favor of associate's degrees in tech fields: lower debt loads than bachelor's programs, faster entry to the workforce, and skills that translate directly to employment. If your child plans to work immediately after graduation or use this as a stepping stone to a four-year degree, the estimated debt burden shouldn't be prohibitive. Just recognize you're betting on assumptions drawn from other programs rather than proven outcomes from this one.
Where Central New Mexico Community College Stands
Earnings vs. debt across all computer science associates's programs nationally
Compare to Similar Programs Nationally
Computer Science associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,934 | $39,118* | — | $12,458* | — | |
| $6,391 | $79,044* | $83,812 | $15,254* | 0.19 | |
| $5,703 | $48,889* | $81,847 | $13,000* | 0.27 | |
| $8,280 | $47,904* | — | $22,519* | 0.47 | |
| $5,520 | $30,332* | — | $9,000* | 0.30 | |
| $5,218 | $24,888* | $46,054 | $8,750* | 0.35 | |
| National Median | — | $39,118* | — | $12,458* | 0.32 |
Career Paths
Occupations commonly associated with computer science graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Software Quality Assurance Analysts and Testers
Information Security Analysts
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Computer Programmers
Web Developers
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 Central New Mexico Community College, approximately 26% 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 6 similar programs. Actual outcomes may vary.