Analysis
A debt-to-earnings ratio of 0.44 looks manageable on paper, but the reality here is murkier than those numbers suggest. Based on peer programs nationally, graduates might expect around $35,200 in first-year earnings and $15,400 in debt—both figures that place this program near the national middle for associate-level health professions training. That ratio means roughly five months of gross earnings to clear the debt, which isn't alarming. However, "health professions" is a remarkably broad umbrella, spanning everything from dental hygienists earning $70,000 to medical assistants starting around $30,000, so these estimates could mask significant variation in actual outcomes.
The challenge for parents is that Frederick Community College is the only school in Maryland reporting this particular program configuration, and both earnings and debt figures had to be estimated from national peers rather than actual graduate outcomes. Without knowing which specific health career tracks students pursue—or how Frederick's connections to local healthcare employers compare to the national programs used for estimation—you're essentially betting on the average. If your child is headed toward a higher-paying specialization within health professions, this could represent solid value. If they're tracking toward lower-wage clinical support roles, that $35,000 estimate might prove optimistic, making even modest debt harder to service than the ratio suggests.
Where Frederick Community College Stands
Earnings vs. debt across all health professions associates's programs nationally
Compare to Similar Programs Nationally
Health Professions associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,772 | $35,232* | — | $15,440* | — | |
| $21,198 | $48,291* | — | $39,835* | 0.82 | |
| $8,400 | $41,350* | $51,205 | $8,358* | 0.20 | |
| $4,550 | $36,180* | $39,058 | $22,513* | 0.62 | |
| $5,856 | $35,765* | $44,497 | $12,950* | 0.36 | |
| $13,630 | $35,232* | — | $17,930* | 0.51 | |
| National Median | — | $35,232* | — | $17,930* | 0.51 |
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 Frederick Community College, approximately 18% 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 9 similar programs. Actual outcomes may vary.