Analysis
A 0.50 debt-to-earnings ratio suggests manageability, but the bigger story here is what we don't know. With both earnings and debt estimated from peer programs nationally—not actual outcomes from College of the Ozarks graduates—you're making a decision with limited visibility. The estimated $49,890 first-year salary sits right at the national median, while the $25,000 debt figure is close to typical. Missouri programs in this field have produced slightly higher earnings (around $52,670), suggesting that graduates who stay in-state might see somewhat better prospects than the national estimate implies.
College of the Ozarks' unique work-study model, where students work on campus in lieu of tuition, may mean actual debt loads differ significantly from these estimates derived from typical private nonprofit schools. If your child can graduate with substantially less than $25,000 in debt—or none at all—the value proposition changes dramatically. Conversely, if costs align with these estimates, you're looking at a fairly standard outcome for international business programs.
The critical question is whether your family can get clarity on actual alumni outcomes from this specific program before committing. Without concrete data on where College of the Ozarks international business graduates land and what they earn, you're relying heavily on the school's distinctive funding model to deliver value that peer programs don't capture in these estimates.
Where College of the Ozarks Stands
Earnings vs. debt across all international business bachelors's programs nationally
Compare to Similar Programs in Missouri
International Business bachelors's programs at peer institutions in Missouri (15 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $21,290 | $49,890* | — | $25,000* | — | |
| $53,244 | $52,670* | — | $24,000* | 0.46 | |
| National Median | — | $49,890* | — | $23,472* | 0.47 |
Career Paths
Occupations commonly associated with international business graduates
Chief Executives
Chief Sustainability Officers
General and Operations Managers
Business Teachers, Postsecondary
Business Operations Specialists, All Other
Business Continuity Planners
Sustainability Specialists
Online Merchants
Security Management Specialists
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 College of the Ozarks, approximately 44% 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 103 similar programs. Actual outcomes may vary.