Business/Commerce at Indiana University-Bloomington
Undergraduate Certificate or Diploma
Analysis
Indiana University-Bloomington's business certificate program dramatically outperforms expectations, with graduates earning $71,550 in their first year—more than double the national median of $35,122 and significantly above Indiana's state median of $54,128. This places the program in the 95th percentile nationally and 80th percentile within Indiana, making it the clear leader among the state's five programs offering this credential. The $88,198 median salary four years post-graduation represents strong 23% growth and reinforces the program's exceptional value.
The debt picture is equally compelling. At $19,500, graduates carry manageable debt that's below the state median of $22,000, creating a debt-to-earnings ratio of just 0.27—meaning students can theoretically pay off their loans in about three months of earnings. This combination of high earnings and moderate debt is rare for certificate programs, which typically offer modest financial returns.
For parents considering this investment, the numbers are overwhelmingly positive. Your child would be entering a program that consistently produces graduates earning nearly $20,000 more than other Indiana business certificate programs, with debt levels that won't constrain their financial future. The robust sample size of 100+ graduates gives confidence these results are reliable, not statistical flukes.
Where Indiana University-Bloomington Stands
Earnings vs. debt across all business/commerce certificate's programs nationally
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 Indiana University-Bloomington graduates compare to all programs nationally
Indiana University-Bloomington graduates earn $72k, placing them in the 95th percentile of all business/commerce certificate 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 Indiana
Business/Commerce certificate's programs at peer institutions in Indiana (5 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Indiana University-Bloomington | $71,550 | $88,198 | $19,500 | 0.27 |
| Indiana University-Indianapolis | $36,707 | $44,404 | $24,500 | 0.67 |
| National Median | $35,122 | — | $15,205 | 0.43 |
Other Business/Commerce Programs in Indiana
Compare tuition, earnings, and debt across Indiana schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Indiana University-Indianapolis Indianapolis | $10,449 | $36,707 | $24,500 |
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 Indiana University-Bloomington, approximately 17% 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.