Human Development, Family Studies, at Northern Michigan University

Northern Michigan's Human Development program sits at the Michigan median for this field—similar programs across the state suggest first-year earnings around $35,200 with roughly $29,500 in debt. That 0.84 debt-to-earnings ratio means graduates would owe about 10 months of their starting salary, which is manageable but leaves little room for error if employment opportunities don't materialize quickly. The estimated debt here runs about $4,500 above the national median for this degree, while earnings align closely with both state and national benchmarks.

The challenge with Human Development degrees is that career paths vary dramatically—some graduates enter social services or counseling roles that may require additional credentials, while others move into corporate HR or community program management. The modest starting salary reflects this field's typical compensation structure, where advancement often depends on gaining experience and potentially pursuing graduate education. Based on comparable Michigan programs, those entering the field should expect lean early years financially, particularly in northern Michigan's more limited job market.

For families weighing this option: the estimated numbers suggest a workable but tight financial picture if your student has clear career goals in family services, early childhood education, or related helping professions. Without additional credential requirements, this could work. If graduate school is likely—common in this field—factor in how additional debt would compound the equation.