Analysis
A debt load around $10,000 for an associate's degree in business positions graduates quite favorably compared to what's typical in Michigan, where similar programs carry a median debt above $20,000. Based on comparable programs in the state, first-year earnings hover around $37,500—essentially matching both state and national medians for this credential. That 0.27 debt-to-earnings ratio suggests manageable repayment, with graduates owing roughly three months' salary rather than six or more.
The challenge is understanding where Monroe County Community College specifically fits within Michigan's business program landscape. The top-performing associate's program at Davenport University produces earnings 32% higher, though that comes with different institutional costs and geographic factors. Monroe's location between Detroit and Toledo may influence local employment opportunities, but without actual graduate outcomes from this particular program, you're making assumptions about placement patterns and employer connections that matter significantly in business education.
For families prioritizing affordability and local access, the estimated debt picture is encouraging—assuming those figures hold true for Monroe County specifically. The earnings trajectory appears adequate for entry-level business roles. However, you're essentially betting on this program performing similarly to its peer institutions without concrete evidence it does. If keeping debt minimal is the primary goal and your child plans to stay in the region, this could work. If maximizing early earnings matters more, programs with established track records would reduce the guesswork.
Where Monroe County Community College Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Compare to Similar Programs in Michigan
Business/Commerce associates's programs at peer institutions in Michigan (19 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,566 | $37,532* | — | $10,281* | — | |
| $23,324 | $49,530* | $48,012 | $31,338* | 0.63 | |
| $3,600 | $37,532* | $47,984 | $10,281* | 0.27 | |
| $3,460 | $34,003* | $39,692 | $32,406* | 0.95 | |
| National Median | — | $36,591* | — | $13,437* | 0.37 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 Monroe County Community College, approximately 25% 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 median of 3 similar programs in MI. Actual outcomes may vary.