Analysis
Montana's accounting associate programs face a unique challenge: most grads start working for smaller operations that pay modestly upfront. Based on comparable programs nationally, first-year earnings around $37,000 align with typical entry points for bookkeepers and accounting clerks. What's unusual here is the four-year figure dropping slightly to $35,250—this could reflect regional economic factors in Butte or simply the limited sample size of tracked graduates staying in the area.
The estimated debt load of roughly $16,000 sits well below both the national median ($19,354) and Montana's state average ($20,503) for this degree. That 0.43 debt-to-earnings ratio translates to manageable monthly payments even on an entry-level accounting salary. With Montana Tech's relatively low Pell percentage, this isn't primarily serving low-income students, but the debt burden appears reasonable regardless of family resources.
For parents weighing this investment, the key question is whether your student can leverage this credential into career growth. Associate-level accounting roles often have clear advancement paths—move from accounts payable clerk to senior bookkeeper to accounting manager—but those trajectories depend heavily on employer size and ambition. Given the data gaps specific to this campus, talk directly with the program about where recent graduates actually landed and whether they progressed beyond those initial $35K-$37K roles within a few years.
Where Highlands College of Montana Tech Stands
Earnings vs. debt across all accounting associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Highlands College of Montana Tech | — | $35,250 | — |
| Southern New Hampshire University | $37,986 | $53,096 | +40% |
| Connecticut State Community College | $42,591 | $52,194 | +23% |
| Nassau Community College | $35,513 | $51,744 | +46% |
| Indiana Wesleyan University-Marion | $52,576 | $50,545 | -4% |
Compare to Similar Programs Nationally
Accounting associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,980 | $37,001* | $35,250 | $15,979* | — | |
| $2,550 | $58,469* | $44,916 | $22,215* | 0.38 | |
| $8,216 | $52,576* | $50,545 | $24,956* | 0.47 | |
| $31,168 | $52,576* | $50,545 | $24,956* | 0.47 | |
| $5,050 | $49,685* | $48,712 | —* | — | |
| $6,270 | $48,832* | — | $19,254* | 0.39 | |
| 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 Highlands College of Montana Tech, approximately 16% 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.