Business Administration, Management and Operations at International Baptist College and Seminary

Investing in a business degree when both earnings and debt are estimates requires considering what peer programs in Arizona typically produce. Based on the state's business administration programs, first-year earnings around $54,000 appear to cluster right at the median for Arizona, which itself runs above the national benchmark of $46,000. The estimated debt of $21,250 falls below both state and national medians for this credential, yielding a debt-to-earnings ratio of 0.40—manageable by most standards if these projections hold.

What complicates the picture is that International Baptist College and Seminary operates at a scale small enough that the Department of Education can't publish its actual outcomes. You're essentially betting on whether this specific program will perform like other Arizona business programs, despite having no graduate earnings track record to verify. The state's top-performing programs—Embry-Riddle and ASU—produce first-year earnings $7,000 to $13,000 higher, suggesting significant variation even within Arizona.

For a 31% Pell grant population, the estimated debt load seems reasonable if the earnings materialize as projected. But without actual data showing this school's graduates achieve those outcomes, you're making an investment based on what similar programs accomplish, not what this one demonstrably delivers. If your family has alternative options with verified outcomes data, those would provide more certainty about return on investment.