Analysis
A debt-to-earnings ratio of 0.37 looks manageable on paper, but there's real uncertainty here since both the $15,597 debt figure and $41,955 first-year earnings are drawn from similar programs nationally rather than this specific associate's program at Pasco-Hernando. What we do know is that Florida's marketing associate's graduates typically earn around $44,293—slightly better than the national average—and the estimated debt here falls well below what similar programs in Florida charge (median $27,167). If those estimates hold, a student would owe roughly 4.5 months of gross income, which is reasonable for a two-year credential.
The concern is whether an associate's degree in marketing delivers enough differentiation in Florida's competitive job market. Entry-level marketing roles increasingly favor bachelor's holders, and this credential may limit a graduate to support positions like marketing coordinator or sales assistant. For students planning to transfer to a four-year program, Pasco-Hernando could serve as an affordable launching pad. For those entering the workforce directly, the pathway to career advancement may require additional credentials down the line, which would add to the total investment and timeline.
Given the estimates and market realities, this makes sense primarily as a stepping stone—either to a bachelor's degree or to gain work experience while minimizing debt exposure. It's less clear as a terminal credential for someone seeking long-term career momentum in marketing.
Where Pasco-Hernando State College Stands
Earnings vs. debt across all marketing associates's programs nationally
Compare to Similar Programs in Florida
Marketing associates's programs at peer institutions in Florida (16 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,155 | $41,955* | — | $15,597* | — | |
| $15,117 | $44,293* | $44,488 | $27,167* | 0.61 | |
| National Median | — | $41,955* | — | $19,149* | 0.46 |
Career Paths
Occupations commonly associated with marketing graduates
Advertising and Promotions Managers
Marketing Managers
Sales Managers
Fundraising Managers
Web and Digital Interface Designers
Video Game Designers
Business Teachers, Postsecondary
Market Research Analysts and Marketing Specialists
Search Marketing Strategists
Fundraisers
Survey Researchers
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 Pasco-Hernando State College, approximately 30% 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 national median of 18 similar programs. Actual outcomes may vary.