Analysis
Michigan's community colleges and universities offering associate degrees in computing typically see debt loads between $10,000 and $15,000, making Ferris State's estimated $12,500 debt burden reasonably typical for the state. What's harder to assess is whether the estimated first-year salary of $35,800—derived from national medians for similar programs—reflects what Ferris graduates actually experience in Michigan's tech market. The state has pockets of strong IT employment around Detroit and Grand Rapids, but also rural areas where entry-level tech wages lag behind coastal markets.
The 0.35 debt-to-earnings ratio suggests manageable repayment if the salary estimate holds, meaning monthly loan payments would consume about 3-4% of gross income under standard plans. However, that "if" matters considerably here. Associate degrees in computing serve vastly different purposes depending on the program: some act as transfer pathways to four-year CS degrees, others train students for immediate help desk or support roles, and the earnings trajectories differ dramatically between these paths.
Without knowing whether Ferris's program emphasizes transfer preparation or workforce readiness, you're evaluating this investment somewhat blind. Request placement data directly from the school—specifically, what percentage of recent graduates transferred to bachelor's programs versus entered the workforce, and what Michigan employers typically hire their graduates. Those answers will tell you far more than estimated national figures can.
Where Ferris State University Stands
Earnings vs. debt across all computer and information sciences associates's programs nationally
Compare to Similar Programs Nationally
Computer and Information Sciences associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $13,630 | $35,761* | — | $12,500* | — | |
| $5,550 | $60,163* | — | $17,218* | 0.29 | |
| $4,257 | $55,961* | $75,016 | $10,250* | 0.18 | |
| $3,540 | $55,738* | $59,873 | $19,140* | 0.34 | |
| $4,740 | $53,219* | — | $20,098* | 0.38 | |
| $16,450 | $50,111* | $65,335 | $22,164* | 0.44 | |
| National Median | — | $35,760* | — | $14,932* | 0.42 |
Career Paths
Occupations commonly associated with computer and information sciences graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Software Quality Assurance Analysts and Testers
Computer Network Architects
Telecommunications Engineering Specialists
Information Security Analysts
Database Administrators
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
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 Ferris State University, approximately 34% 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 80 similar programs. Actual outcomes may vary.