Analysis
A debt-to-earnings ratio of 0.20 is genuinely strong—nationwide data from similar fire protection certificate programs suggests graduates might manage their debt load with relative ease, particularly compared to many undergraduate credentials. The estimated $9,557 in debt paired with first-year earnings around $47,000 creates financial breathing room that parents should find reassuring.
Here's where it gets interesting: the national benchmark of $47,024 sits substantially higher than Arizona's median of $35,059 for this field. Whether Mohave's program tracks closer to national or state outcomes matters significantly—that's a $12,000 gap in first-year earnings. Fire protection careers can be location-dependent, and Arizona's lower median might reflect regional market realities rather than program quality. If your child plans to work locally, the more conservative state figure deserves consideration in your calculations.
The field itself offers practical appeal: emergency services typically provide stable employment with clear career pathways, and the modest debt burden keeps options open whether your child pursues this as a credential on its way to a bachelor's degree or as standalone career preparation. The uncertainty here isn't about whether the debt is manageable—it likely is—but whether local job markets will deliver earnings closer to $35,000 or $47,000. That difference meaningfully changes the program's value proposition.
Where Mohave Community College Stands
Earnings vs. debt across all fire protection certificate's programs nationally
Compare to Similar Programs in Arizona
Fire Protection certificate's programs at peer institutions in Arizona (15 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $2,136 | $47,024* | — | $9,557* | — | |
| $2,370 | $35,059* | — | —* | — | |
| National Median | — | $47,024* | — | $9,557* | 0.20 |
Career Paths
Occupations commonly associated with fire protection graduates
Fire Inspectors and Investigators
Forest Fire Inspectors and Prevention Specialists
Career/Technical Education Teachers, Postsecondary
Firefighters
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Loss Prevention Managers
First-Line Supervisors of Firefighting and Prevention Workers
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 Mohave Community College, approximately 31% 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 25 similar programs. Actual outcomes may vary.