Median Earnings (1yr)
$36,623
95th percentile (80th in KY)
Median Debt
$13,730
25% above national median
Debt-to-Earnings
0.37
Manageable
Sample Size
331
Adequate data

Analysis

Jefferson Community and Technical College's liberal arts program stands out dramatically in a field where most associate degree programs struggle to deliver strong earnings outcomes. Graduates earn $36,623 in their first year—ranking in the 95th percentile nationally and 80th percentile within Kentucky. This puts the program neck-and-neck with Gateway Community and Technical College for the top liberal arts earnings in the state, while substantially outperforming the national median of $27,248.

The debt picture adds to the program's appeal. At $13,730, student debt sits in the 23rd percentile nationally (meaning 77% of similar programs have higher debt), creating a debt-to-earnings ratio of just 0.37. This is particularly impressive given that liberal arts programs often carry debt loads that overwhelm modest starting salaries. The slight earnings growth to $37,741 by year four shows stable career progression rather than the stagnation common in this field.

For parents worried about the practical value of a liberal arts degree, this program offers a compelling counter-narrative. The combination of top-tier earnings and manageable debt creates genuine economic mobility—graduates can reasonably expect to service their loans while building toward further education or career advancement. With 100+ graduates in the data sample, these numbers reflect real, consistent outcomes rather than statistical noise.

Where Jefferson Community and Technical College Stands

Earnings vs. debt across all liberal arts and sciences, general studies and humanities associates's programs nationally

Jefferson Community and Technical CollegeOther liberal arts and sciences, general studies and humanities 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 Jefferson Community and Technical College graduates compare to all programs nationally

Jefferson Community and Technical College graduates earn $37k, placing them in the 95th percentile of all liberal arts and sciences, general studies and humanities 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 Kentucky

Liberal Arts and Sciences, General Studies and Humanities associates's programs at peer institutions in Kentucky (29 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Jefferson Community and Technical College$36,623$37,741$13,7300.37
Gateway Community and Technical College$36,311$36,285$12,4000.34
Northern Kentucky University$34,541—$22,8750.66
Bluegrass Community and Technical College$30,467$33,994$12,0000.39
Henderson Community College$30,204$29,881$11,5160.38
Elizabethtown Community and Technical College$28,792$33,985$11,0000.38
National Median$27,248—$10,9500.40

Other Liberal Arts and Sciences, General Studies and Humanities Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Gateway Community and Technical College
Florence
$4,656$36,311$12,400
Northern Kentucky University
Highland Heights
$10,896$34,541$22,875
Bluegrass Community and Technical College
Lexington
$4,706$30,467$12,000
Henderson Community College
Henderson
$4,656$30,204$11,516
Elizabethtown Community and Technical College
Elizabethtown
$4,656$28,792$11,000

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 Jefferson Community and Technical College, approximately 29% 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 331 graduates with reported earnings and 533 graduates with debt data. Small samples may not be representative.