Analysis
Business administration programs in North Carolina show enormous variation—from UNC-Chapel Hill's $85,000 first-year outcomes down to state medians around $43,000—and Montreat's estimated figures place it squarely in the middle tier. With first-year earnings likely around $43,375 and debt at $24,168, graduates are looking at a debt burden roughly half their starting salary. That's manageable, particularly when earnings climb to $53,616 by year four, suggesting steady career progression typical of business degrees.
The challenge here is uncertainty. These early earnings are estimated from 38 comparable NC programs because Montreat's graduate sample was too small for the DOE to publish. What we can say: the debt load is actually below both state and national medians for business programs, and the four-year earnings figure—which is actual data—puts graduates within reach of the national 75th percentile. For a school serving 40% Pell-eligible students with a 66% admission rate, that trajectory suggests the program delivers reasonable mobility without crushing debt.
The question is whether estimated first-year earnings around $43,000 represent Montreat's reality or if the small Christian college's network and regional focus produce different outcomes. Parents should request actual placement data from the school itself—where do recent graduates work, and at what salaries? The debt-to-earnings fundamentals look sound, but with this much estimation, you need verification before committing.
Where Montreat College Stands
Earnings vs. debt across all business administration, management and operations bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Montreat College | — | $53,616 | — |
| University of North Carolina at Chapel Hill | $85,618 | $105,246 | +23% |
| North Carolina State University at Raleigh | $56,877 | $69,742 | +23% |
| Queens University of Charlotte | $54,032 | $64,491 | +19% |
| University of North Carolina Wilmington | $48,369 | $63,879 | +32% |
Compare to Similar Programs in North Carolina
Business Administration, Management and Operations bachelors's programs at peer institutions in North Carolina (52 total in state)
Scroll to see more →
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $33,860 | $43,375* | $53,616 | $24,168 | — | |
| $8,989 | $85,618* | $105,246 | $14,339 | 0.17 | |
| $8,895 | $56,877* | $69,742 | $20,000 | 0.35 | |
| $43,285 | $54,032* | $64,491 | $23,250 | 0.43 | |
| $43,936 | $48,955* | $52,241 | $23,500 | 0.48 | |
| $25,950 | $48,751* | $50,645 | $35,500 | 0.73 | |
| National Median | — | $45,703* | — | $26,000 | 0.57 |
Career Paths
Occupations commonly associated with business administration, management and operations graduates
Computer and Information Systems Managers
Architectural and Engineering Managers
Biofuels/Biodiesel Technology and Product Development Managers
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Compensation and Benefits Managers
Human Resources Managers
Sales Managers
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 Montreat College, approximately 40% 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 38 similar programs in NC. Actual outcomes may vary.