Analysis
An estimated $15,597 in debt for an associate's degree that peer programs suggest yields around $42,000 in first-year earnings produces a relatively manageable debt-to-earnings ratio of 0.37. That's notably better than the national debt picture for marketing associate programs, where typical borrowing runs closer to $19,000. However, here's the complication: similar programs across Michigan report substantially higher starting salaries—Schoolcraft graduates, for instance, begin around $48,700, roughly $7,000 more than what comparable programs nationally suggest for Montcalm.
That gap matters. If your student lands closer to Michigan's typical outcomes for this credential, the debt becomes even more reasonable. But if the national estimate holds true here, they'd be starting about 16% below what marketing associates elsewhere in the state typically earn. Community colleges can vary widely in employer connections and curriculum strength, and with no reported data specific to Montcalm's program, it's impossible to know which end of that spectrum this falls on.
The path forward: connect directly with Montcalm's career services to understand where recent marketing graduates actually land jobs and at what pay. Ask for names of local employers who hire from this program. The debt load won't crush your student either way, but confirming whether graduates here match Michigan's stronger earnings pattern or fall closer to the national average will tell you if this represents solid value or just acceptable value.
Where Montcalm Community College Stands
Earnings vs. debt across all marketing associates's programs nationally
Compare to Similar Programs in Michigan
Marketing associates's programs at peer institutions in Michigan (15 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,860 | $41,955* | — | $15,597* | — | |
| $4,448 | $48,724* | $46,865 | $14,943* | 0.31 | |
| National Median | — | $41,955* | — | $19,149* | 0.46 |
Career Paths
Occupations commonly associated with marketing graduates
Advertising and Promotions Managers
Marketing Managers
Sales Managers
Fundraising Managers
Web and Digital Interface Designers
Video Game Designers
Business Teachers, Postsecondary
Market Research Analysts and Marketing Specialists
Search Marketing Strategists
Fundraisers
Survey Researchers
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 Montcalm Community College, approximately 29% 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 18 similar programs. Actual outcomes may vary.