Analysis
In Missouri, community college accounting programs like this one typically launch graduates into the mid-$30,000s, and Moberly's estimated outcomes align with that pattern. Based on comparable programs nationally, first-year earnings around $37,000 paired with roughly $16,000 in debt creates a manageable 0.43 debt-to-earnings ratio—meaning graduates would owe less than half their first-year income. That's considerably better than the national median debt for associate accounting programs, which runs closer to $19,000.
The estimation here matters because we can't see Moberly's specific track record, but the underlying fundamentals look reasonable. Accounting associate degrees provide concrete technical skills that translate directly into entry-level bookkeeping and accounting clerk positions, and Missouri's job market supports these roles consistently. The lower estimated debt compared to state and national peers (Missouri's median sits at nearly $22,000) could reflect either Moberly's lower tuition or patterns among similar-sized community colleges.
For parents weighing this path, the math suggests a workable entry point into accounting—especially if your student plans to work while potentially pursuing a bachelor's later. Just recognize you're evaluating this based on what similar programs typically produce, not Moberly's verified outcomes. The low debt burden provides some cushion if earnings come in below estimates, but confirming the school's actual job placement support and articulation agreements with four-year schools would help clarify whether this associate degree is a stopping point or a stepping stone.
Where Moberly Area Community College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in Missouri
Accounting associates's programs at peer institutions in Missouri (13 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,020 | $37,001* | — | $15,979* | — | |
| $4,184 | $35,169* | $30,683 | $21,907* | 0.62 | |
| National Median | — | $37,000* | — | $19,354* | 0.52 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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 Moberly Area Community College, approximately 22% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 118 similar programs. Actual outcomes may vary.