Analysis
Chipola College's business program shows an unusual earnings pattern that warrants careful consideration. Based on comparable Florida programs, graduates would carry an estimated $18,918 in debt—reasonably modest and below both state and national medians. The first-year earnings of $40,730 sit below the state median of $45,072, placing the program in the 40th percentile statewide. More concerning is the trajectory: earnings actually decline to $35,913 by year four, a 12% drop that runs counter to typical career progression.
This backward earnings curve is the real red flag. While similar programs across Florida typically see graduates earning more as they gain experience, this program's outcomes suggest either graduates are taking jobs with limited advancement potential or they're concentrated in sectors facing headwinds. The estimated debt remains manageable at a 0.46 ratio to first-year earnings, but that calculation becomes less reassuring when earnings shrink rather than grow. For context, Florida's top business programs—like Embry-Riddle and Florida Tech—start graduates near $64,000 to $67,000 annually.
The key question is whether this program opens doors that stay open. The modest estimated debt offers some cushion, but declining earnings over the first four years suggests graduates may struggle to build momentum in their careers. If your child is considering this program, focus on understanding the specific career paths recent graduates have taken and whether those align with their goals.
Where Chipola College Stands
Earnings vs. debt across all business administration, management and operations bachelors's programs nationally
Earnings Distribution
How Chipola College graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Chipola College | $40,730 | $35,913 | -12% |
| Embry-Riddle Aeronautical University-Worldwide | $66,999 | $77,767 | +16% |
| Embry-Riddle Aeronautical University-Daytona Beach | $66,999 | $77,767 | +16% |
| University of Miami | $48,793 | $72,328 | +48% |
| The University of Tampa | $46,543 | $71,458 | +54% |
Compare to Similar Programs in Florida
Business Administration, Management and Operations bachelors's programs at peer institutions in Florida (93 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,120 | $40,730 | $35,913 | $18,918* | — | |
| $42,304 | $66,999 | $77,767 | $20,508* | 0.31 | |
| $11,665 | $66,999 | $77,767 | $20,508* | 0.31 | |
| $44,360 | $63,708 | $58,663 | $38,097* | 0.60 | |
| $12,240 | $63,708 | $58,663 | $38,097* | 0.60 | |
| $42,950 | $63,132 | $48,653 | $21,125* | 0.33 | |
| National Median | — | $45,703 | — | $26,000* | 0.57 |
Career Paths
Occupations commonly associated with business administration, management and operations graduates
Computer and Information Systems Managers
Architectural and Engineering Managers
Biofuels/Biodiesel Technology and Product Development Managers
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Compensation and Benefits Managers
Human Resources Managers
Sales Managers
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 Chipola College, approximately 27% 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.
Sample Size: Based on 22 graduates with reported earnings and 10 graduates with debt data. Small samples may not be representative.