Analysis
Small graduate cohorts at Pamlico mean we're working with estimates drawn from other North Carolina accounting programs, but those figures suggest a relatively manageable financial picture. The projected $16,000 debt load represents about 36% of first-year earnings—well below the concerning thresholds that make loan repayment difficult. For context, similar associate-level accounting programs nationally carry median debt of over $19,000, so if these estimates hold, Pamlico's graduates would be entering the workforce with less burden than typical.
The estimated earnings of roughly $45,000 align with what students earn at larger community colleges like Wake Tech and Central Piedmont, programs with actual reported outcomes. That's also about $7,600 above the national median for associate-level accounting, reflecting North Carolina's relatively strong demand for entry-level accounting professionals. The state's network of 52 community colleges offering this credential means robust employer familiarity with the degree's value.
The caveat: these are peer-program projections, not verified outcomes for Pamlico specifically. A small rural college might produce different results than urban counterparts, whether better (lower debt, strong local employer relationships) or worse (fewer internship opportunities, limited job market). But the fundamentals—manageable estimated debt for a skill-based credential in steady demand—suggest reasonable value if your student plans to work in accounting rather than immediately transfer to pursue a bachelor's degree.
Where Pamlico Community College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in North Carolina
Accounting associates's programs at peer institutions in North Carolina (52 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,867 | $44,616* | — | $15,979* | — | |
| $2,792 | $45,092* | — | —* | — | |
| $2,336 | $44,616* | $43,263 | $20,953* | 0.47 | |
| $2,524 | $32,979* | — | —* | — | |
| National Median | — | $37,000* | — | $19,354* | 0.52 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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 Pamlico Community College, approximately 32% 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 3 similar programs in NC. Actual outcomes may vary.