Analysis
A debt-to-earnings ratio of 0.36 suggests this program could work financially—comparable interdisciplinary associate's programs nationally produce first-year earnings around $36,000 against roughly $13,000 in debt. That's manageable territory, where a graduate would owe about a third of their first year's salary. However, these estimates come from peer programs across the country rather than Frederick Community College's actual outcomes, which the DOE doesn't publish due to small graduate cohorts.
The interdisciplinary nature of this credential cuts both ways. It offers flexibility for students still exploring career paths or planning to transfer to a four-year program, but the relatively modest estimated earnings—$6,500 below what top-performing interdisciplinary programs achieve nationally—reflect that generalist associate's degrees don't command the same immediate market value as technical credentials. The low Pell percentage (18%) suggests Frederick's student body skews toward more affluent families, which might indicate students here are using this as a stepping stone rather than a terminal degree.
Without knowing this specific program's transfer rates or how its curriculum aligns with Maryland employers, you're essentially betting on the national average outcome. If your student plans to continue their education, the modest debt load keeps options open. If they intend to work immediately after graduation, understand that $36,000 annual earnings provides limited financial independence in the Frederick area.
Where Frederick Community College Stands
Earnings vs. debt across all multi/interdisciplinary studies associates's programs nationally
Compare to Similar Programs Nationally
Multi/Interdisciplinary Studies 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 | $35,979* | — | $13,012* | — | |
| $5,715 | $59,456* | $57,364 | —* | — | |
| $6,638 | $58,827* | $80,459 | $11,312* | 0.19 | |
| $4,448 | $51,330* | $52,881 | —* | — | |
| $4,706 | $48,307* | $50,784 | $13,077* | 0.27 | |
| $5,044 | $45,236* | — | —* | — | |
| National Median | — | $35,979* | — | $13,023* | 0.36 |
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 29 similar programs. Actual outcomes may vary.