Analysis
A debt-to-earnings ratio of 0.61 typically signals manageable student loans, but the limited data from Cottey's small business program means you're making this decision largely in the dark. Based on comparable business bachelor's programs across Missouri, graduates might expect around $42,525 in first-year earnings against roughly $26,125 in debt—figures that align closely with the state median but fall short of the $45,703 national benchmark for business degrees.
The real concern isn't the estimated numbers themselves, which suggest reasonable financial outcomes, but rather the competitive gap. Missouri's top business programs—including Ranken Technical College and Columbia College—report graduates earning $53,000 to $73,000 in their first year, significantly outpacing what peer programs of Cottey's size typically produce. This suggests that program reputation and employer connections matter considerably in the Missouri business job market.
For a small women's college with a 66% admission rate serving nearly half its students on Pell grants, Cottey may offer valuable support and community. However, without actual outcome data, you're essentially betting that this specific program will perform at least as well as the median Missouri business school. That's a different calculation than choosing a program with proven track record of graduate success.
Where Cottey College Stands
Earnings vs. debt across all business administration, management and operations bachelors's programs nationally
Compare to Similar Programs in Missouri
Business Administration, Management and Operations bachelors's programs at peer institutions in Missouri (42 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $26,209 | $42,525* | — | $26,125* | — | |
| $17,490 | $73,200* | $64,987 | $26,250* | 0.36 | |
| $24,326 | $53,748* | $53,404 | $33,703* | 0.63 | |
| $16,400 | $53,201* | $58,471 | $22,472* | 0.42 | |
| $43,420 | $51,887* | — | $23,250* | 0.45 | |
| $9,470 | $50,422* | $60,033 | $24,549* | 0.49 | |
| National Median | — | $45,703* | — | $26,000* | 0.57 |
Career Paths
Occupations commonly associated with business administration, management and operations graduates
Computer and Information Systems Managers
Architectural and Engineering Managers
Biofuels/Biodiesel Technology and Product Development Managers
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Compensation and Benefits Managers
Human Resources Managers
Sales Managers
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 Cottey College, approximately 45% 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 26 similar programs in MO. Actual outcomes may vary.