Human Development, Family Studies, at Ozarks Technical Community College

Ozarks Technical's Human Development program starts slightly above average—earning $27,003 in year one puts graduates at the 60th percentile among Missouri programs—but then earnings drop sharply to $22,617 by year four. That 16% decline is worrying, suggesting either high turnover in early childhood education and social services roles, or that graduates struggle to advance in their careers. Meanwhile, at $21,000 in debt (matching the state median but well above the $14,614 national typical), students are borrowing significantly more than the field usually requires.

The numbers become more concerning when you consider the debt load against those declining earnings. By year four, graduates are earning less than they did starting out, while carrying debt that approaches their annual income. Compare this to other Missouri community colleges offering the same program—North Central Missouri College's graduates earn similar amounts, suggesting the earnings pattern may reflect statewide workforce realities rather than this particular program's quality.

For families considering this path, understand that you're looking at starting salaries in the mid-$20,000s with backward career progression in the early years. If your child is passionate about working with families or children, this credential opens doors—but the financial return is limited. Consider whether your student could minimize borrowing, perhaps through working while enrolled, to make these modest earnings more manageable.