Human Services at Minneapolis Community and Technical College

Minneapolis Community and Technical College's Human Services associate's program carries nearly double the typical debt load for this credential—$39,289 versus a national median of just $20,440. That's particularly troubling when first-year earnings of $29,762 already lag behind the state median of $33,870. A Century College graduate in the same field starts at $41,007, earning 38% more right out of the gate.

The 24% earnings growth to $36,869 by year four does help narrow the gap somewhat, but it doesn't solve the fundamental problem: graduates are shouldering premium debt for below-average outcomes. Among Minnesota's 15 human services programs, this one ranks at the 40th percentile—squarely in the bottom half. The debt-to-earnings ratio of 1.32 means graduates owe more than a full year's starting salary, making this a financially stressful launch into a field that serves vulnerable populations.

For families considering this program, the numbers suggest looking elsewhere in the Twin Cities area. Century College offers the same credential with significantly stronger earning potential, and even median Minnesota outcomes would put graduates in a better position. At 40% Pell Grant recipients, many students here are already economically vulnerable—the debt burden makes that harder, not easier, to overcome.