Analysis
A debt-to-earnings ratio of 0.37 is manageable by most standards, but there's more to consider here. Similar marketing associate's programs nationally suggest first-year earnings around $42,000, with estimated debt below $16,000 for Phoenix College specifically—notably lower than the national median of $19,149 for these programs. That's a practical advantage, though it's worth noting these figures come from peer programs nationwide rather than Phoenix College's actual graduate outcomes.
The fundamental question is whether an associate's in marketing provides enough career traction to justify even modest debt. Marketing roles increasingly favor bachelor's holders, and many entry-level positions that accept an associate's degree may not require one at all. The estimated earnings here reflect what's typical across the country for this credential, but they don't guarantee what Phoenix College graduates specifically achieve, nor do they tell you whether those graduates are working in marketing or simply in jobs that pay around $42,000.
If this degree is a stepping stone toward a bachelor's—with credits that transfer cleanly to an Arizona university—it could be cost-effective. If it's intended as a terminal credential for immediate employment, understand that you're betting on your child standing out in a field where the degree itself may not open many doors. The debt load is reasonable, but only if the credential actually leads somewhere specific.
Where Phoenix College Stands
Earnings vs. debt across all marketing associates's programs nationally
Compare to Similar Programs Nationally
Marketing associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $2,358 | $41,955* | — | $15,597* | — | |
| $4,448 | $48,724* | $46,865 | $14,943* | 0.31 | |
| $16,450 | $45,084* | — | $22,546* | 0.50 | |
| $4,058 | $44,748* | — | $19,652* | 0.44 | |
| $10,899 | $44,293* | $44,488 | $27,167* | 0.61 | |
| $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 Phoenix College, approximately 29% 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.