Analysis
The estimated $13,000 debt load for this associate degree looks manageable against projected first-year earnings of roughly $36,000—a ratio that suggests graduates could realistically pay down loans within a few years. Based on comparable interdisciplinary programs nationally, this debt-to-earnings balance falls within reasonable bounds. The four-year earnings figure of $39,913 shows modest progression, though it's worth noting that interdisciplinary associate degrees often serve as stepping stones rather than terminal credentials.
What makes this harder to evaluate is that both the debt and initial earnings are estimates from peer institutions, not actual outcomes from Montgomery College graduates. The national data suggests these programs produce fairly consistent results—most cluster around $36,000 in early earnings—but individual experiences can vary significantly depending on which career path students ultimately pursue. Interdisciplinary studies by nature prepare graduates for diverse fields, which creates both opportunity and uncertainty.
For families considering this program, the key question is whether your student has a clear plan for what comes after. The estimated financials suggest this associate degree won't create a debt crisis, but the relatively flat earnings trajectory means it's probably most valuable as preparation for a bachelor's degree or as training for a specific job your student already has in mind. Without a concrete next step, even a manageable $13,000 in debt may not deliver sufficient return.
Where Montgomery College Stands
Earnings vs. debt across all multi/interdisciplinary studies associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Montgomery College | — | $39,913 | — |
| Thomas Edison State University | $58,827 | $80,459 | +37% |
| Central Carolina Technical College | $59,456 | $57,364 | -4% |
| Tri-County Technical College | $51,330 | $52,881 | +3% |
| Bluegrass Community and Technical College | $48,307 | $50,784 | +5% |
Compare to Similar Programs Nationally
Multi/Interdisciplinary Studies associates's programs at top institutions nationally
Scroll to see more →
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $5,394 | $35,979* | $39,913 | $13,012* | — | |
| $5,715 | $59,456* | $57,364 | —* | — | |
| $6,638 | $58,827* | $80,459 | $11,312* | 0.19 | |
| $4,448 | $51,330* | $52,881 | —* | — | |
| $4,706 | $48,307* | $50,784 | $13,077* | 0.27 | |
| $5,044 | $45,236* | — | —* | — | |
| National Median | — | $35,979* | — | $13,023* | 0.36 |
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.
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 29 similar programs. Actual outcomes may vary.