Analysis
A business degree with an estimated debt load of $26,500 against first-year earnings around $50,740 creates a manageable 0.52 debt-to-earnings ratio—meaning graduates would owe roughly half their annual salary. Based on peer business programs nationwide, this falls right at the national median for both debt and earnings, suggesting Saint Ambrose likely delivers a fairly standard return. The 73% admission rate indicates this isn't a highly selective program, but the relatively modest debt burden (compared to many private universities) keeps the financial risk contained.
The challenge with these estimates is that we're working from national patterns rather than Saint Ambrose's actual graduate outcomes, which the Department of Education suppresses due to small sample sizes. What we know is that comparable business bachelor's programs typically produce these figures, but individual schools can vary significantly based on their industry connections, alumni networks, and regional employer relationships in the Quad Cities area. The lack of reported data from Iowa's other business programs means we can't gauge how Saint Ambrose stacks up locally.
For parents weighing this investment, the estimated numbers suggest a workable but not remarkable financial outcome. At roughly $600 in monthly debt payments on a standard repayment plan, graduates earning $50,740 should be able to manage—but there's little margin for error if actual earnings fall short or debt runs higher than these peer-based projections indicate.
Where Saint Ambrose University Stands
Earnings vs. debt across all business, management, marketing, bachelors's programs nationally
Compare to Similar Programs Nationally
Business, Management, Marketing, bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $35,598 | $50,740* | — | $26,500* | — | |
| $13,120 | $82,115* | — | $29,062* | 0.35 | |
| $16,450 | $80,842* | — | $15,697* | 0.19 | |
| $41,010 | $73,382* | $78,432 | $27,000* | 0.37 | |
| $59,070 | $72,850* | $89,485 | $26,500* | 0.36 | |
| $58,150 | $70,365* | $89,440 | $26,000* | 0.37 | |
| National Median | — | $50,740* | — | $26,000* | 0.51 |
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 Saint Ambrose University, approximately 28% 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 31 similar programs. Actual outcomes may vary.