Median Earnings (1yr)
$20,217
5th percentile (25th in MD)
Median Debt
$9,500
13% below national median
Debt-to-Earnings
0.47
Manageable
Sample Size
79
Adequate data

Analysis

Montgomery College's Liberal Arts associate degree shows an unusual trajectory that deserves a closer look. The first-year earnings of $20,217 are concerning—ranking in just the 5th percentile nationally and 25th percentile among Maryland programs. However, by year four, median earnings more than double to $40,846, actually surpassing top performers like UMGC and Baltimore City Community College at that point.

The question for Maryland families is whether that initial earning period represents a real financial hardship or simply reflects students working part-time while transferring to four-year programs. The modest $9,500 debt load provides some cushion, but even that takes nearly half a year's initial earnings to manage. It's worth noting that similar programs at other Maryland community colleges start stronger—Prince George's and Wor-Wic both show first-year earnings around $30,000.

The dramatic earnings growth suggests many graduates successfully transfer and complete bachelor's degrees, which would explain both the weak start and strong finish. If your student plans to transfer immediately and can manage financially during that first year, the low debt and eventual earning power make sense. But if they need to work full-time right after graduation, the initial earning potential here lags significantly behind alternatives within Maryland's community college system.

Where Montgomery College Stands

Earnings vs. debt across all liberal arts and sciences, general studies and humanities associates's programs nationally

Montgomery CollegeOther liberal arts and sciences, general studies and humanities 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 $20k, placing them in the 5th percentile of all liberal arts and sciences, general studies and humanities 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

Liberal Arts and Sciences, General Studies and Humanities associates's programs at peer institutions in Maryland (18 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Montgomery College$20,217$40,846$9,5000.47
Baltimore City Community College$41,120$39,791$8,8500.22
University of Maryland Global Campus$41,071$49,637$8,2500.20
Prince George's Community College$31,322$44,768$13,4990.43
Wor-Wic Community College$30,763$31,613$6,5000.21
College of Southern Maryland$29,862$36,670$10,6500.36
National Median$27,248—$10,9500.40

Other Liberal Arts and Sciences, General Studies and Humanities Programs in Maryland

Compare tuition, earnings, and debt across Maryland schools

SchoolIn-State TuitionEarnings (1yr)Debt
Baltimore City Community College
Baltimore
$3,314$41,120$8,850
University of Maryland Global Campus
Adelphi
$7,992$41,071$8,250
Prince George's Community College
Largo
$3,914$31,322$13,499
Wor-Wic Community College
Salisbury
$3,744$30,763$6,500
College of Southern Maryland
La Plata
$4,200$29,862$10,650

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 79 graduates with reported earnings and 160 graduates with debt data. Small samples may not be representative.