Analysis
A projected debt load of $12,000 for an associate's degree is manageable by most standards, and when paired with first-year earnings around $37,400 based on comparable agricultural business programs nationwide, the math works in a graduate's favor. The debt-to-earnings ratio of 0.32 suggests borrowers could realistically pay off loans within a year or two of focused repayment—a solid foundation for launching a career in Kansas agriculture.
The challenge is that we're working with estimates rather than this specific program's track record, which means uncertainty about how Colby Community College's graduates actually fare. Agricultural business outcomes can vary significantly based on local industry connections, internship pipelines, and whether students transition into farm management, agribusiness sales, or corporate agricultural roles. The national median provides a reasonable baseline, but it doesn't tell you whether Colby's location in northwest Kansas—deep in wheat and cattle country—translates to better or worse opportunities than the typical program.
For families comfortable with a modest debt load and confident their student will pursue agriculture professionally rather than changing course mid-career, this looks like a practical stepping stone. The risk is primarily in not knowing whether Colby's specific outcomes beat, match, or trail the national average we're using as a proxy.
Where Colby Community College Stands
Earnings vs. debt across all agricultural business and management associates's programs nationally
Compare to Similar Programs Nationally
Agricultural Business and Management associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,046 | $37,423* | — | $11,978* | — | |
| $5,928 | $48,646* | $43,988 | $11,956* | 0.25 | |
| $6,308 | $47,472* | $42,239 | —* | — | |
| $3,540 | $42,642* | $40,002 | $10,748* | 0.25 | |
| $8,895 | $41,966* | $43,018 | $12,750* | 0.30 | |
| $6,718 | $41,340* | $44,958 | $12,000* | 0.29 | |
| National Median | — | $37,423* | — | $12,000* | 0.32 |
Career Paths
Occupations commonly associated with agricultural business and management graduates
Economists
Environmental Economists
Farmers, Ranchers, and Other Agricultural Managers
Agricultural Sciences Teachers, Postsecondary
Economics Teachers, Postsecondary
Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products
Computer User Support Specialists
Buyers and Purchasing Agents, Farm Products
Farm and Home Management Educators
First-Line Supervisors of Office and Administrative Support Workers
First-Line Supervisors of Farming, Fishing, and Forestry Workers
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 Colby Community College, approximately 23% 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 16 similar programs. Actual outcomes may vary.