Analysis
Cottey College's small criminology program lacks specific graduate outcomes, but national peer data suggests a debt load around $26,000 against first-year earnings near $37,500. That 0.69 debt-to-earnings ratio falls within reasonable territory for a bachelor's degree, though it's not exceptional. Similar criminology programs across Missouri produce earnings between $36,000 and $38,000, placing Cottey's estimated trajectory right in the middle of the pack.
The challenge here is predictability. With 45% of students receiving Pell grants and modest SAT scores averaging 1190, Cottey serves a population where every dollar of debt matters more. Criminology careers—probation officers, victim advocates, crime analysts—offer stability but rarely command premium salaries early on. The estimated $26,000 debt burden means monthly payments around $290 on a standard plan, which will claim roughly 9-10% of gross monthly income based on comparable program outcomes.
For families considering this program, the uncertainty cuts both ways. Cottey could outperform these estimates if it has strong local law enforcement connections or career placement support, or underperform if graduates struggle to find relevant positions in rural Missouri. Before committing, verify actual job placement rates and talk to recent graduates about their outcomes. The numbers suggest manageable debt, but without school-specific data, you're essentially betting on Cottey matching what similar programs deliver elsewhere.
Where Cottey College Stands
Earnings vs. debt across all criminology bachelors's programs nationally
Compare to Similar Programs in Missouri
Criminology bachelors's programs at peer institutions in Missouri (10 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $26,209 | $37,476* | — | $26,027* | — | |
| $13,440 | $38,207* | $45,065 | $22,801* | 0.60 | |
| $9,024 | $36,185* | $41,726 | $24,187* | 0.67 | |
| National Median | — | $37,476* | — | $25,000* | 0.67 |
Career Paths
Occupations commonly associated with criminology graduates
Sociologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Criminal Justice and Law Enforcement Teachers, Postsecondary
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Loss Prevention Managers
Life, Physical, and Social Science Technicians, All Other
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 national median of 111 similar programs. Actual outcomes may vary.