Multi/Interdisciplinary Studies at Gateway Community and Technical College
Associate's Degree
gateway.kctcs.edu/index.aspxAnalysis
Gateway Community and Technical College keeps debt exceptionally low—$9,000 is far below what most associate degree holders in this field carry (the national median is $13,023, and Kentucky's median matches that). This debt advantage matters when estimated first-year earnings from comparable Kentucky programs run around $39,918, producing a debt-to-earnings ratio of just 0.23. That means graduates could theoretically pay off their loans with about three months of gross income.
The earnings picture based on similar Kentucky programs puts Gateway right at the state median, though notably below top performers like Bluegrass Community and Technical College ($48,307). By year four, actual reported earnings reach $41,140—a modest increase that suggests this interdisciplinary credential isn't designed as a fast track to high income. Still, that puts graduates slightly above the national median for this field ($35,979) and within striking distance of the national 75th percentile ($42,549).
For families concerned about cost and debt, Gateway delivers the core value proposition: keep borrowing minimal while earning credentials that lead to stable, if not spectacular, employment. The fact that earnings data needed to be estimated from peer programs adds uncertainty, but the actual four-year figure confirms graduates do land jobs. If your student needs an affordable associate degree as a stepping stone—whether toward further education or immediate employment—the low debt burden makes this a manageable risk.
Where Gateway Community and Technical College Stands
Earnings vs. debt across all multi/interdisciplinary studies associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Gateway Community and Technical College | — | $41,140 | — |
| Bluegrass Community and Technical College | $48,307 | $50,784 | +5% |
| West Kentucky Community and Technical College | $39,918 | $41,307 | +3% |
| Ashland Community and Technical College | $29,638 | $35,690 | +20% |
| Maysville Community and Technical College | $42,718 | $29,597 | -31% |
Compare to Similar Programs in Kentucky
Multi/Interdisciplinary Studies associates's programs at peer institutions in Kentucky (16 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $4,656 | $39,918* | $41,140 | $9,000 | — | |
| $4,706 | $48,307* | $50,784 | $13,077 | 0.27 | |
| $4,656 | $42,718* | $29,597 | $14,078 | 0.33 | |
| $4,706 | $42,549* | $29,085 | $15,503 | 0.36 | |
| $4,656 | $39,918* | $41,307 | $10,000 | 0.25 | |
| $4,656 | $31,643* | $25,058 | $13,023 | 0.41 | |
| 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 Gateway Community and Technical College, approximately 29% 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 median of 7 similar programs in KY. Actual outcomes may vary.