Median Earnings (1yr)
$31,559
20th percentile (40th in KY)
Median Debt
$12,080
18% below national median
Debt-to-Earnings
0.38
Manageable
Sample Size
42
Adequate data

Analysis

Southcentral Kentucky Community and Technical College's business certificate leaves graduates earning roughly $4,000 below the state median and $7,500 below the national average. At $31,559 in first-year earnings, this program sits at the 20th percentile nationally—meaning 80% of similar programs produce better outcomes. Within Kentucky, it ranks exactly at the midpoint among 21 schools, with nearby competitors like Owensboro and Elizabethtown delivering $10,000 more in starting earnings for the same credential.

The debt picture offers modest relief: $12,080 is manageable and matches the Kentucky median, though it's still below the national average (which typically isn't a positive signal—it suggests lower borrowing capacity rather than affordability). The debt-to-earnings ratio of 0.38 means graduates start with debt equivalent to about five months of income, which is reasonable but doesn't offset the earnings shortfall.

For parents, the math is straightforward. Your child could earn $10,000 more annually at other Kentucky community colleges offering this same certificate, which compounds significantly over a career. Unless geography or scheduling makes Southcentral the only viable option, directing your student toward Owensboro or Elizabethtown appears to offer substantially better return on the same time and tuition investment.

Where Southcentral Kentucky Community and Technical College Stands

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

Southcentral Kentucky Community and Technical 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 Southcentral Kentucky Community and Technical College graduates compare to all programs nationally

Southcentral Kentucky Community and Technical College graduates earn $32k, placing them in the 20th percentile of all business administration, management and operations certificate programs nationally.

Compare to Similar Programs in Kentucky

Business Administration, Management and Operations certificate's programs at peer institutions in Kentucky (21 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Southcentral Kentucky Community and Technical College$31,559—$12,0800.38
Owensboro Community and Technical College$41,251—$7,2460.18
Elizabethtown Community and Technical College$40,956—$11,5600.28
Gateway Community and Technical College$39,306—$13,0000.33
Jefferson Community and Technical College$38,471—$11,7700.31
Ashland Community and Technical College$35,588—$20,5840.58
National Median$39,085—$14,6990.38

Other Business Administration, Management and Operations Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Owensboro Community and Technical College
Owensboro
$4,656$41,251$7,246
Elizabethtown Community and Technical College
Elizabethtown
$4,656$40,956$11,560
Gateway Community and Technical College
Florence
$4,656$39,306$13,000
Jefferson Community and Technical College
Louisville
$4,706$38,471$11,770
Ashland Community and Technical College
Ashland
$4,656$35,588$20,584

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 Southcentral Kentucky Community and Technical 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.

Sample Size: Based on 42 graduates with reported earnings and 70 graduates with debt data. Small samples may not be representative.