Liberal Arts and Sciences, General Studies and Humanities at Owensboro Community and Technical College

Owensboro Community and Technical College's Liberal Arts associate's degree sits squarely in the middle of Kentucky options—ranking at the 40th percentile statewide—but that positioning masks what's actually a reasonable value proposition for students staying in the region. Starting earnings of $26,002 trail both the state and national medians by about $1,200, yet the program keeps debt manageable at $9,386, which is roughly $2,400 below the state average and $1,500 below the national benchmark. That 0.36 debt-to-earnings ratio means graduates owe about four months of first-year salary, a burden most can manage while building toward further credentials or stable employment.

The 25% earnings growth to $32,500 by year four suggests graduates are finding paths forward, whether through job advancement or completing bachelor's degrees elsewhere. While top-performing Kentucky programs like Jefferson Community and Technical College produce graduates earning $10,000 more annually, those schools may draw from different regional job markets or student populations. For Owensboro-area families—particularly the 30% receiving Pell grants—this program offers an accessible entry point to higher education without the debt loads that can derail financial stability.

The straightforward verdict: this is a functional stepping stone, not a standout performer. Parents should view it as exactly what it appears to be—a low-cost way to earn transferable credits and improve immediate earning power modestly. Just ensure your student has a clear plan for what comes next, whether that's a bachelor's degree or a specific career path.