Analysis
A debt-to-earnings ratio of 0.36 suggests reasonable balance, but the $35,979 first-year salary—drawn from national medians for similar interdisciplinary associate programs—barely clears basic living costs in Philadelphia, where a modest one-bedroom runs around $1,400 monthly. These interdisciplinary degrees can serve different purposes: some students use them as transfer pathways to four-year schools, while others enter the workforce directly. The challenge is that without a defined occupational focus, graduates may compete for general administrative or support roles where advancement depends heavily on additional credentials or workplace experience.
With 53% of students receiving Pell grants, Community College of Philadelphia serves a population for whom even $13,000 in debt represents real financial pressure. Comparable programs nationally show wide variation—top performers reach $42,500 in first-year earnings—suggesting that outcomes depend significantly on how students leverage the degree. If this interdisciplinary program functions primarily as a transfer vehicle to complete a bachelor's elsewhere, the debt becomes a down payment on future credentials. If it's meant as a terminal degree, the $36,000 salary projection offers limited financial cushion for independent living in an expensive metropolitan area, even with manageable debt levels.
Where Community College of Philadelphia Stands
Earnings vs. debt across all multi/interdisciplinary studies associates's programs nationally
Compare to Similar Programs Nationally
Multi/Interdisciplinary Studies associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,632 | $35,979* | — | $13,012* | — | |
| $5,715 | $59,456* | $57,364 | —* | — | |
| $6,638 | $58,827* | $80,459 | $11,312* | 0.19 | |
| $4,448 | $51,330* | $52,881 | —* | — | |
| $4,706 | $48,307* | $50,784 | $13,077* | 0.27 | |
| $5,044 | $45,236* | — | —* | — | |
| National Median | — | $35,979* | — | $13,023* | 0.36 |
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 Community College of Philadelphia, approximately 53% 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 29 similar programs. Actual outcomes may vary.