Analysis
A 0.31 debt-to-earnings ratio would typically signal a manageable path forward, but the uncertainty here runs deep. Both the earnings and debt figures come from national peer programs, not Saint Paul College's actual graduates, leaving parents to navigate without knowing how this specific certificate performs in the Twin Cities market.
The estimated $63,549 in first-year earnings sits well above what similar marketing programs produce statewide—Saint Cloud State's bachelor's graduates start at $51,100. If that national projection holds true for Saint Paul College, it would position this certificate competitively. But that's a significant "if" when the only concrete state data comes from a four-year degree program. The estimated $19,500 debt falls slightly below national norms, which matters for a school where 40% of students receive Pell grants, but without actual outcomes data, you're betting on how well this certificate translates to employer demand in Minnesota specifically.
The real question is whether a marketing certificate from Saint Paul College opens doors that justify even moderate debt when you can't verify what happens to graduates. Before committing, press the school for placement rates, employer partnerships, and any alumni outcomes they track internally. The numbers could work—but you need more than estimates to make that determination confidently.
Where Saint Paul College Stands
Earnings vs. debt across all marketing certificate's programs nationally
Compare to Similar Programs in Minnesota
Marketing certificate's programs at peer institutions in Minnesota (11 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $6,318 | $63,549* | — | $19,500* | — | |
| $10,117 | $51,100* | $59,442 | $23,350* | 0.46 | |
| National Median | — | $63,549* | — | $22,060* | 0.35 |
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 Saint Paul College, approximately 40% 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.