Business/Commerce at MidAmerica Nazarene University

The estimated $24,509 in debt stands out immediately—it's nearly double the national median of $13,437 for associate's degrees in business, and almost twice what Kansas programs typically see at $12,699. This matters because an associate's degree should be among the most affordable pathways into business careers, yet comparable programs nationally suggest this credential typically leads to first-year earnings around $36,600. At that income level, borrowing nearly $25,000 for a two-year degree creates a tighter financial picture than necessary.

What's puzzling is why debt at this private university runs so high relative to peer programs. Community colleges and public institutions across Kansas and nationally deliver similar business associate's degrees at roughly half the borrowing cost. While MidAmerica's 73% admission rate and smaller class sizes might offer a different campus experience, that premium doubles the debt burden without clear evidence of superior earnings outcomes. Similar programs elsewhere demonstrate you can access business fundamentals and entry-level opportunities without this level of borrowing.

For families evaluating a two-year business degree, the math here suggests looking at Kansas community colleges first. They'd provide comparable foundational coursework in accounting, management, or marketing at significantly lower cost, preserving the option to transfer credits toward a bachelor's later if desired—without starting that journey already carrying substantial debt.