Median Earnings (1yr)
$29,449
20th percentile (25th in MD)
Median Debt
$9,250
31% below national median
Debt-to-Earnings
0.31
Manageable
Sample Size
22
Limited data

Analysis

Montgomery College's business associate's degree shows a concerning start but dramatic improvement over time, though you should be cautious about the small sample size here. First-year earnings of $29,449 fall well below both Maryland's median ($36,801) and the national benchmark ($36,591), placing this program in just the 25th percentile statewide. Among Maryland's 17 business programs, several community colleges—including Hagerstown and Baltimore County—deliver significantly stronger initial outcomes.

The compelling part is the trajectory: earnings jump 73% by year four to $51,009, ultimately surpassing state and national medians. The debt load of $9,250 is manageable enough that the initial earnings struggle doesn't create a financial crisis. However, this pattern raises questions about why graduates start so far behind peers. Are students taking longer to find relevant work? Does the program prepare them for entry-level positions that others secure more quickly?

With fewer than 30 graduates in this data, these numbers could swing dramatically year to year. If your child is considering Montgomery College for cost reasons—and given that low debt load, that's sensible—understand they may face a slower launch than peers at other Maryland community colleges. The eventual earnings catch-up is encouraging, but that first year or two could be financially tight.

Where Montgomery College Stands

Earnings vs. debt across all business/commerce associates's programs nationally

Montgomery CollegeOther business/commerce programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Montgomery College graduates compare to all programs nationally

Montgomery College graduates earn $29k, placing them in the 20th percentile of all business/commerce associates programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Maryland

Business/Commerce associates's programs at peer institutions in Maryland (17 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Montgomery College$29,449$51,009$9,2500.31
Strayer University-Maryland$44,154$47,516$32,8100.74
Hagerstown Community College$41,970$44,478$12,7500.30
Community College of Baltimore County$36,801$44,670$17,4990.48
Frederick Community College$33,619$42,863$7,0620.21
National Median$36,591—$13,4370.37

Other Business/Commerce Programs in Maryland

Compare tuition, earnings, and debt across Maryland schools

SchoolIn-State TuitionEarnings (1yr)Debt
Strayer University-Maryland
Suitland
$13,920$44,154$32,810
Hagerstown Community College
Hagerstown
$4,320$41,970$12,750
Community College of Baltimore County
Baltimore
$4,380$36,801$17,499
Frederick Community College
Frederick
$3,772$33,619$7,062

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 Montgomery 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.

Sample Size: Based on 22 graduates with reported earnings and 37 graduates with debt data. Small samples may not be representative.