Entrepreneurial and Small Business Operations (Undergraduate Certificate or Diploma) at Saint Johns River State College

Est. Earnings (1yr)

$41,685

Est. from national median (8 programs)

Est. Median Debt

$18,788

Est. from national median (11 programs)

Analysis

This certificate program's estimated debt load deserves careful scrutiny. While peer programs nationally suggest around $18,800 in borrowing for first-year earnings near $41,700, comparable Florida programs typically carry just $13,700 in debt—$5,000 less for similar outcomes. That gap matters when you're talking about a certificate designed to launch small business ventures, where cash flow is often tight in the early years.

The estimated debt-to-earnings ratio of 0.45 falls within manageable territory, but the real challenge is context-specific. Similar programs at Daytona State and Hillsborough Community College report actual earnings between $36,700 and $40,800, suggesting the entrepreneurship field in Florida clusters in that range regardless of where you study. If your child is serious about starting a business rather than working for someone else, remember that first-year earnings can be wildly variable—these figures reflect all graduates, including those taking salaried positions rather than immediately launching ventures.

Before committing to this program, get concrete answers about why the estimated debt is higher than the state median. Is it program length, living costs, or something else? For a certificate aimed at entrepreneurship, where bootstrap financing often matters more than credentials, graduating with $5,000 less debt could mean the difference between launching that business or delaying it to pay down loans.

Where Saint Johns River State College Stands

Earnings vs. debt across all entrepreneurial and small business operations certificate's programs nationally

Compare to Similar Programs in Florida

Entrepreneurial and Small Business Operations certificate's programs at peer institutions in Florida (26 total in state)

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School	In-State Tuition	Earnings (1yr)*	Earnings (4yr)	Median Debt*	Debt/Earnings
Saint Johns River State CollegePalatka	$2,830	$41,685*	—	$18,788*	—
Daytona State CollegeDaytona Beach	$3,106	$40,824*	—	$10,740*	0.26
Hillsborough Community CollegeTampa	$2,506	$36,690*	—	$16,573*	0.45
National Median	—	$41,684*	—	$18,788*	0.45

* Estimated from similar programs

Career Paths

Occupations commonly associated with entrepreneurial and small business operations graduates

Chief Executives

Determine and formulate policies and provide overall direction of companies or private and public sector organizations within guidelines set up by a board of directors or similar governing body. Plan, direct, or coordinate operational activities at the highest level of management with the help of subordinate executives and staff managers.

$105,350/yrJobs growth:Bachelor's degree

Chief Sustainability Officers

Communicate and coordinate with management, shareholders, customers, and employees to address sustainability issues. Enact or oversee a corporate sustainability strategy.

$105,350/yrJobs growth:Bachelor's degree

General and Operations Managers

Plan, direct, or coordinate the operations of public or private sector organizations, overseeing multiple departments or locations. Duties and responsibilities include formulating policies, managing daily operations, and planning the use of materials and human resources, but are too diverse and general in nature to be classified in any one functional area of management or administration, such as personnel, purchasing, or administrative services. Usually manage through subordinate supervisors. Excludes First-Line Supervisors.

$105,350/yrJobs growth:Bachelor's degree

Business Teachers, Postsecondary

Teach courses in business administration and management, such as accounting, finance, human resources, labor and industrial relations, marketing, and operations research. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Personal Service Managers, All Other

All personal service managers not listed separately.

Fitness and Wellness Coordinators

Manage or coordinate fitness and wellness programs and services. Manage and train staff of wellness specialists, health educators, or fitness instructors.

Spa Managers

Plan, direct, or coordinate activities of a spa facility. Coordinate programs, schedule and direct staff, and oversee financial activities.

Managers, All Other

All managers not listed separately.

Regulatory Affairs Managers

Plan, direct, or coordinate production activities of an organization to ensure compliance with regulations and standard operating procedures.

Compliance Managers

Plan, direct, or coordinate activities of an organization to ensure compliance with ethical or regulatory standards.

Loss Prevention Managers

Plan and direct policies, procedures, or systems to prevent the loss of assets. Determine risk exposure or potential liability, and develop risk control measures.

Wind Energy Operations Managers

Manage wind field operations, including personnel, maintenance activities, financial activities, and planning.

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 Johns River State College, approximately 19% 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 8 similar programs. Actual outcomes may vary.