Median Earnings (1yr)
$28,331
95th percentile
Median Debt
$12,000
22% above national median
Debt-to-Earnings
0.42
Manageable
Sample Size
133
Adequate data

Analysis

Josef's School of Hair Skin & Body in Fargo dramatically outperforms the typical cosmetology program—graduates earn 66% more than the national median just one year out—but this is actually standard for North Dakota. Cosmetology programs across ND cluster tightly around $28,000-29,000 in first-year earnings, roughly double the national figure. Within the state, Josef's-Fargo sits squarely in the middle of the pack, essentially tied with its sister campus in Grand Forks and just below the two Fargo competitors.

The concerning pattern here is the earnings trajectory: graduates see income drop 10% between year one and year four, from $28,331 to $25,387. This suggests either saturation in the local market or the difficulty of maintaining a steady client base in the field. The $12,000 debt load is reasonable—about one year's entry-level salary—but that calculation becomes less favorable as earnings decline rather than grow.

For families, the calculus is straightforward: if your child plans to work in North Dakota's cosmetology market, this program delivers competitive preparation at manageable debt levels. However, don't expect income growth in those early career years. The real value here is geographic—North Dakota's robust cosmetology earnings make this field far more viable than in most states, regardless of which in-state program you choose.

Where Josef's School of Hair Skin & Body-Fargo Stands

Earnings vs. debt across all cosmetology certificate's programs nationally

Josef's School of Hair Skin & Body-FargoOther cosmetology 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 Josef's School of Hair Skin & Body-Fargo graduates compare to all programs nationally

Josef's School of Hair Skin & Body-Fargo graduates earn $28k, placing them in the 95th percentile of all cosmetology 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 North Dakota

Cosmetology certificate's programs at peer institutions in North Dakota (4 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Josef's School of Hair Skin & Body-Fargo$28,331$25,387$12,0000.42
The Salon Professional Academy-Fargo$29,330$28,322$12,0000.41
The Hair Academy$29,327$30,176$11,8090.40
Josef's School of Hair Skin & Body-Grand Forks$28,331$25,387$12,0000.42
National Median$17,113—$9,8620.58

Other Cosmetology Programs in North Dakota

Compare tuition, earnings, and debt across North Dakota schools

SchoolIn-State TuitionEarnings (1yr)Debt
The Salon Professional Academy-Fargo
Fargo
—$29,330$12,000
The Hair Academy
Bismarck
—$29,327$11,809
Josef's School of Hair Skin & Body-Grand Forks
Grand Forks
—$28,331$12,000

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 Josef's School of Hair Skin & Body-Fargo, approximately 46% 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 133 graduates with reported earnings and 141 graduates with debt data. Small samples may not be representative.