Median Earnings (1yr)
$33,500
48th percentile (40th in MA)
Median Debt
$9,200
34% below national median
Debt-to-Earnings
0.27
Manageable
Sample Size
64
Adequate data

Analysis

Holyoke Community College's business associate degree starts modestly but tells an encouraging story about earnings trajectory. While first-year graduates earn $33,500—landing at the 40th percentile among Massachusetts business programs—earnings jump to nearly $43,000 by year four, a 28% increase that outpaces typical growth for two-year business degrees. The $9,200 in typical debt is notably lower than both the state median ($10,338) and especially the national median ($13,980), creating a manageable debt load that graduates can typically pay down within their first year of work.

The challenge here is comparative: several Massachusetts community colleges produce significantly higher-earning business graduates right out of the gate, with Northern Essex and Mount Wachusett graduates earning $10,000+ more in year one. For families weighing community college options in Massachusetts, those alternatives might offer faster returns. However, Holyoke's combination of low debt and solid earnings growth means the total financial picture improves considerably over time, even if it doesn't initially match top performers in the state.

For a family-focused student who can afford to start at a lower salary, this program delivers value through its minimal debt burden and improving earnings. Just recognize that other Massachusetts community colleges might accelerate that timeline—something worth exploring if proximity isn't a constraint.

Where Holyoke Community College Stands

Earnings vs. debt across all business administration, management and operations associates's programs nationally

Holyoke Community CollegeOther business administration, management and operations programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Holyoke Community College graduates compare to all programs nationally

Holyoke Community College graduates earn $34k, placing them in the 48th percentile of all business administration, management and operations associates programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Massachusetts

Business Administration, Management and Operations associates's programs at peer institutions in Massachusetts (26 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Holyoke Community College$33,500$42,903$9,2000.27
Northern Essex Community College$46,439$40,782$11,0000.24
Mount Wachusett Community College$43,503$44,065$11,0000.25
Quinsigamond Community College$42,028$52,730$14,6710.35
Roxbury Community College$41,032$40,588——
Massasoit Community College$38,255$38,338$10,7380.28
National Median$33,977—$13,9800.41

Other Business Administration, Management and Operations Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Northern Essex Community College
Haverhill
$5,688$46,439$11,000
Mount Wachusett Community College
Gardner
$6,000$43,503$11,000
Quinsigamond Community College
Worcester
$5,974$42,028$14,671
Roxbury Community College
Roxbury Crossing
$5,784$41,032—
Massasoit Community College
Brockton
$5,376$38,255$10,738

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 Holyoke Community College, approximately 39% 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.

Sample Size: Based on 64 graduates with reported earnings and 83 graduates with debt data. Small samples may not be representative.