Analysis
An estimated $16,000 in debt against $37,000 in first-year earnings creates a manageable burden for an associate degree in accounting—though both figures come from national peer programs rather than Estrella Mountain's actual graduates. This 0.43 debt-to-earnings ratio falls below the concerning 1.0 threshold, suggesting the degree should be repayable within a few years of steady work.
The estimated earnings align almost perfectly with the national median for accounting associate programs, while the debt figure sits notably lower than both the national ($19,354) and Arizona ($18,446) medians. If these estimates prove accurate, Estrella Mountain would be delivering comparable earning power at a reduced cost. The nearby University of Phoenix and Pima Community College report actual earnings in the $37,000-$39,000 range, which lends some credibility to the estimate—Arizona's accounting job market appears relatively consistent across institutions.
The challenge is that without actual graduate data from Estrella Mountain, you're making a decision based on what typically happens elsewhere. For an accounting degree—where professional certification and local hiring patterns matter—the specific school's track record would be valuable to know. If your child has access to other Arizona accounting programs with reported outcomes, comparing those concrete numbers alongside program support, transfer agreements, and employer connections would strengthen the decision.
Where Estrella Mountain Community College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in Arizona
Accounting associates's programs at peer institutions in Arizona (21 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $2,358 | $37,001* | — | $15,979* | — | |
| $9,552 | $38,794* | $39,413 | $24,793* | 0.64 | |
| $2,370 | $37,358* | $34,454 | $12,098* | 0.32 | |
| National Median | — | $37,000* | — | $19,354* | 0.52 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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 Estrella Mountain Community College, approximately 23% 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 118 similar programs. Actual outcomes may vary.