Median Earnings (1yr)
$33,171
46th percentile (40th in KY)
Median Debt
$16,361
17% above national median
Debt-to-Earnings
0.49
Manageable
Sample Size
34
Adequate data

Analysis

Somerset Community College's business associate degree shows a troubling pattern that should concern any parent: graduates actually earn less four years out than they do in their first year of work. Starting at $33,171, earnings drop to $27,540 by year four—a 17% decline that's the opposite of what you want to see from an educational investment.

The program ranks in the 40th percentile among Kentucky's 25 business associate programs, trailing the state median of $35,788. Top-performing community colleges in Kentucky like Gateway and Elizabethtown place graduates earning $43,000-$39,000—roughly $10,000 more annually than Somerset's four-year outcomes. While the debt load of $16,361 is manageable at first glance, it becomes less attractive when paired with declining earnings that settle below $28,000.

For families in rural Kentucky where Somerset is located, the calculus is stark: your child could graduate with debt equal to nearly 60% of their fourth-year earnings, working jobs that pay less over time rather than building toward higher income. If staying local is important, this degree might provide access to entry-level positions, but families should understand they're not getting the earnings trajectory that better-performing Kentucky community colleges deliver.

Where Somerset Community College Stands

Earnings vs. debt across all business administration, management and operations associates's programs nationally

Somerset Community CollegeOther business administration, management and operations programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Somerset Community College graduates compare to all programs nationally

Somerset Community College graduates earn $33k, placing them in the 46th percentile of all business administration, management and operations associates programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Kentucky

Business Administration, Management and Operations associates's programs at peer institutions in Kentucky (25 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Somerset Community College$33,171$27,540$16,3610.49
Gateway Community and Technical College$43,658$43,418$13,3930.31
Elizabethtown Community and Technical College$39,002$35,513$16,2550.42
Owensboro Community and Technical College$38,878$8,7900.23
Jefferson Community and Technical College$38,361$35,173$20,0370.52
Bluegrass Community and Technical College$37,319$37,472$13,5000.36
National Median$33,977$13,9800.41

Other Business Administration, Management and Operations Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Gateway Community and Technical College
Florence
$4,656$43,658$13,393
Elizabethtown Community and Technical College
Elizabethtown
$4,656$39,002$16,255
Owensboro Community and Technical College
Owensboro
$4,656$38,878$8,790
Jefferson Community and Technical College
Louisville
$4,706$38,361$20,037
Bluegrass Community and Technical College
Lexington
$4,706$37,319$13,500

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 Somerset Community College, approximately 43% 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.

Sample Size: Based on 34 graduates with reported earnings and 63 graduates with debt data. Small samples may not be representative.