Analysis
An estimated debt load of about $16,000 against first-year earnings around $39,000 suggests a manageable financial start for an associate degree in accounting. Peer programs across Florida cluster right around this earnings figure, with community colleges typically producing graduates in the mid-to-high $30,000s while some private institutions push into the mid-$40,000s. The debt estimate here runs notably lower than Florida's typical $23,800 for accounting associate programs, which matters when you're building foundational credentials without breaking the bank.
The 0.41 debt-to-earnings ratio falls comfortably below the one-to-one threshold that signals trouble. Based on comparable programs nationally, accounting associate degrees tend to deliver steady entry-level opportunities—bookkeeping, accounts payable, payroll administration—that translate into reliable paychecks rather than dramatic upside. Santa Fe's position in a college town with healthcare systems, local government, and service businesses provides the kind of steady employer base where these skills stay in demand.
For parents evaluating a two-year accounting path, the key advantage here is the modest debt estimate paired with earnings that match state norms. Just remember these figures come from similar programs, not Santa Fe's own graduates, so actual outcomes could vary. The sensible move: confirm the program maintains strong employer connections in the Gainesville area and leads to internship opportunities that convert into job offers before graduation.
Where Santa Fe College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in Florida
Accounting associates's programs at peer institutions in Florida (40 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $2,563 | $39,114* | — | $15,979* | — | |
| $24,136 | $48,117* | $43,871 | $29,000* | 0.60 | |
| $15,117 | $43,765* | $44,358 | $23,823* | 0.54 | |
| $16,088 | $41,019* | — | $24,811* | 0.60 | |
| $2,474 | $37,209* | $35,810 | $14,806* | 0.40 | |
| $2,830 | $36,970* | $36,384 | —* | — | |
| National Median | — | $37,000* | — | $19,354* | 0.52 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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 Santa Fe College, 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 median of 6 similar programs in FL. Actual outcomes may vary.