Analysis
Two years after completing this Associate's degree, graduates see their earnings *decline* from an estimated $38,000 initially to $36,800. That backward trajectory is unusual and troubling—most technical programs show clear upward momentum as graduates gain experience. While national peer programs suggest starting earnings around the national median, Holyoke's outcomes by year four lag behind what you'd expect from an Associate's in programming, where skills should command increasing value.
The debt picture offers some relief: at $10,700, Holyoke charges roughly 40% less than the national median for two-year programming degrees. For a community college serving a population where 39% receive Pell grants, that modest borrowing matters. The 0.28 debt-to-earnings ratio looks manageable on paper, but it assumes those estimated first-year earnings materialize—and the actual year-four data suggests the path may be rockier than comparable programs elsewhere.
The core question is why earnings stagnate or drop when other Associate's programming graduates typically see growth. It could reflect local job market limitations in the Pioneer Valley, program curriculum not aligning with employer needs, or graduates struggling to land roles that use their technical training. Without clearer evidence that this program leads to sustained tech employment at competitive wages, the investment carries real risk despite the relatively low debt.
Where Holyoke Community College Stands
Earnings vs. debt across all computer programming associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Holyoke Community College | — | $36,841 | — |
| Gwinnett Technical College | $35,284 | $70,026 | +98% |
| Cincinnati State Technical and Community College | $55,996 | $67,313 | +20% |
| Minneapolis Community and Technical College | $55,069 | $65,758 | +19% |
| Valencia College | $36,601 | $63,680 | +74% |
Compare to Similar Programs Nationally
Computer Programming associates's programs at top institutions nationally
Scroll to see more →
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $5,810 | $38,086* | $36,841 | $10,700 | — | |
| $4,872 | $63,559* | $56,895 | $12,000 | 0.19 | |
| $5,400 | $55,996* | $67,313 | $12,736 | 0.23 | |
| $6,128 | $55,069* | $65,758 | $22,600 | 0.41 | |
| $4,916 | $54,652* | $61,493 | $13,812 | 0.25 | |
| $7,650 | $53,874* | — | $14,827 | 0.28 | |
| National Median | — | $38,086* | — | $17,108 | 0.45 |
Career Paths
Occupations commonly associated with computer programming graduates
Software Developers
Software Quality Assurance Analysts and Testers
Computer Programmers
Web Developers
Web and Digital Interface Designers
Video Game Designers
Computer Science Teachers, Postsecondary
Computer Network Support Specialists
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.
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 30 similar programs. Actual outcomes may vary.