Liberal Arts and Sciences, General Studies and Humanities at College of the Ozarks
Bachelor's Degree
cofo.eduAnalysis
College of the Ozarks admits just 15% of applicants, suggesting it attracts serious students, yet the estimated earnings of $37,600 for this liberal arts program sit right at Missouri's median—a number that raises questions about return on selectivity. While the school's work program famously helps many students graduate debt-free, these estimates suggest that liberal arts majors here who do carry debt might finish with around $29,900, creating a nearly 0.80 debt-to-earnings ratio. That's manageable on paper, but it means dedicating roughly 80% of a first year's salary to debt repayment—and that's before accounting for taxes and living expenses in what's typically a lower-paying field.
The bigger concern is the gap between College of the Ozarks and Missouri's stronger liberal arts programs. Similar majors at William Jewell and Saint Louis University produce first-year earnings above $48,000—roughly $11,000 more annually than what peer programs here suggest. That difference compounds quickly over a career. For a highly selective school serving a substantial population of Pell-eligible students (44%), these estimated outcomes suggest the liberal arts track here may not deliver the same economic lift as its more career-focused programs.
If your child is determined to study liberal arts and can benefit from the school's work program to minimize debt, the investment makes more sense. But families should verify actual graduate outcomes with the school directly and consider whether this particular major justifies choosing College of the Ozarks over universities with stronger liberal arts earnings records.
Where College of the Ozarks Stands
Earnings vs. debt across all liberal arts and sciences, general studies and humanities bachelors's programs nationally
Compare to Similar Programs in Missouri
Liberal Arts and Sciences, General Studies and Humanities bachelors's programs at peer institutions in Missouri (38 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $21,290 | $37,589* | — | $29,906* | — | |
| $19,890 | $50,663* | $59,142 | $26,831* | 0.53 | |
| $53,244 | $48,829* | — | $54,581* | 1.12 | |
| $24,326 | $45,133* | $49,234 | $30,658* | 0.68 | |
| $11,988 | $39,992* | $48,355 | $25,000* | 0.63 | |
| $14,130 | $39,317* | $47,666 | $20,569* | 0.52 | |
| National Median | — | $36,340* | — | $27,000* | 0.74 |
Career Paths
Occupations commonly associated with liberal arts and sciences, general studies and humanities graduates
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 median of 12 similar programs in MO. Actual outcomes may vary.