Analysis
Minnesota's business associate's programs typically produce stronger first-year earnings than what South Central College's estimates suggest. While comparable programs statewide show median earnings around $40,200, the national benchmark of $36,591 used here sits nearly $4,000 lower—putting graduates potentially at a disadvantage compared to nearby alternatives like Century College ($40,489) or Anoka-Ramsey ($39,962).
The estimated debt load of $19,750 deserves scrutiny. That figure matches the state median for similar programs, but it's substantially higher than the national median of $13,437 for business associate's degrees. A debt-to-earnings ratio of 0.54 isn't alarming on its face—it suggests manageable repayment—but only if those earnings estimates hold true. If actual outcomes track closer to Minnesota norms, the picture improves; if they don't, that debt becomes harder to justify.
For a family evaluating this program, the uncertainty matters. Without school-specific data, you're essentially betting that South Central's outcomes will either match or beat the national average while carrying Minnesota-level debt. Given that other Minnesota community colleges have demonstrated stronger earnings, it's worth having direct conversations with the school about job placement rates and employer connections before committing. The 32% Pell grant rate suggests this serves many cost-conscious families—making it especially important that the value proposition actually delivers.
Where South Central College Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Compare to Similar Programs in Minnesota
Business/Commerce associates's programs at peer institutions in Minnesota (23 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $6,146 | $36,591* | — | $19,750* | — | |
| $6,182 | $40,489* | — | $19,750* | 0.49 | |
| $5,682 | $39,962* | $46,752 | $20,750* | 0.52 | |
| National Median | — | $36,591* | — | $13,437* | 0.37 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 South Central College, approximately 32% 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 124 similar programs. Actual outcomes may vary.