Business/Commerce at Columbia College
Associate's Degree
Analysis
Columbia College's associate business program delivers stronger earnings than most Missouri competitors—graduates earn $41,791 right out of school, landing at the 60th percentile statewide and beating the state median by more than $7,000. That's meaningful when you're comparing in-state options. Nationally, the program ranks even better at the 69th percentile, placing it solidly above average among 559 similar programs.
The debt load of $27,897 deserves careful consideration. While it's higher than both the Missouri median ($23,449) and significantly above the national median ($13,437), the debt-to-earnings ratio of 0.67 suggests graduates can realistically manage it—they're earning about 1.5 times their debt in their first year. The 8% earnings bump to $45,164 by year four shows steady progression rather than stagnation. With 44% of students receiving Pell grants, the program is clearly accessible to families who need it.
For Missouri families weighing community college options, this program costs more upfront but delivers better immediate returns than alternatives like Saint Louis Community College. The higher debt is a real tradeoff, but the earnings advantage means graduates should be able to handle monthly payments while building their careers. It's not the cheapest path to an associate business degree, but the outcomes justify the investment better than most Missouri alternatives.
Where Columbia College Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.
Earnings Distribution
How Columbia College graduates compare to all programs nationally
Columbia College graduates earn $42k, placing them in the 69th percentile of all business/commerce associates programs nationally.
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.
Compare to Similar Programs in Missouri
Business/Commerce associates's programs at peer institutions in Missouri (13 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Columbia College | $41,791 | $45,164 | $27,897 | 0.67 |
| Saint Louis Community College | $34,419 | — | $11,000 | 0.32 |
| Bryan University | $28,014 | $27,140 | $23,449 | 0.84 |
| National Median | $36,591 | — | $13,437 | 0.37 |
Other Business/Commerce Programs in Missouri
Compare tuition, earnings, and debt across Missouri schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Saint Louis Community College Bridgeton | $3,660 | $34,419 | $11,000 |
| Bryan University Springfield | $15,868 | $28,014 | $23,449 |
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 Columbia College, 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.
Sample Size: Based on 53 graduates with reported earnings and 176 graduates with debt data. Small samples may not be representative.