Est. Earnings (1yr)
$44,695
Est. from national median (23 programs)
Est. Median Debt
$17,063
Est. from national median (8 programs)

Analysis

Mortuary science offers one of the clearer paths in vocational education: a defined career track with licensing requirements and steady demand. Based on similar programs nationally, graduates can expect first-year earnings around $44,700, which positions them reasonably well against an estimated debt load of $17,000. That 0.38 debt-to-earnings ratio falls comfortably below the concerning thresholds economists typically flag, meaning graduates would need roughly 5 months of gross earnings to cover their entire student debt—manageable for most entry-level funeral service professionals.

The caveat here matters: these figures come from peer programs nationally, not Southeast Kentucky's actual graduate outcomes. With only two schools in Kentucky offering this credential and no public earnings data available, it's difficult to assess how regional factors—like southeastern Kentucky's rural economy and lower cost of living—might affect salaries. Funeral directors in smaller communities often earn less than the national median but may also enjoy lower operating costs if they eventually pursue ownership.

For families drawn to this field, the structure works in their favor. The profession requires licensure, creating natural barriers to competition, and the work itself remains recession-resistant. If your child has genuine interest in funeral service rather than viewing this as a generic associate degree, the estimated financial picture suggests reasonable returns. Just recognize you're betting on a national pattern holding true locally, where actual outcomes remain unknown.

Where Southeast Kentucky Community & Technical College Stands

Earnings vs. debt across all funeral service and mortuary science associates's programs nationally

Compare to Similar Programs Nationally

Funeral Service and Mortuary Science associates's programs at top institutions nationally

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SchoolIn-State TuitionEarnings (1yr)*Earnings (4yr)Median Debt*Debt/Earnings
Southeast Kentucky Community & Technical CollegeCumberland$4,656$44,695*—$17,063*—
FINE Mortuary CollegeNorwood$19,325$52,580*$56,293$34,677*0.66
Arapahoe Community CollegeLittleton$4,308$50,953*$39,709$22,675*0.45
Pittsburgh Institute of Mortuary Science IncPittsburgh—$50,340*$46,147$21,812*0.43
Worsham College of Mortuary ScienceWheeling$24,800$50,043*$53,137$15,333*0.31
Jefferson State Community CollegeBirmingham$5,040$49,566*$44,675—*—
National Median—$44,695*—$20,000*0.45
* Estimated from similar programs

Career Paths

Occupations commonly associated with funeral service and mortuary science graduates

Funeral Home Managers

Plan, direct, or coordinate the services or resources of funeral homes. Includes activities such as determining prices for services or merchandise and managing the facilities of funeral homes.

$59,420/yrJobs growth:Associate's degree

Morticians, Undertakers, and Funeral Arrangers

Perform various tasks to arrange and direct individual funeral services, such as coordinating transportation of body to mortuary, interviewing family or other authorized person to arrange details, selecting pallbearers, aiding with the selection of officials for religious rites, and providing transportation for mourners.

$59,420/yrJobs growth:Associate's degree

Embalmers

Prepare bodies for interment in conformity with legal requirements.

Crematory Operators

Operate crematory equipment to reduce human or animal remains to bone fragments in accordance with state and local regulations. Duties may include preparing the body for cremation and performing general maintenance on crematory equipment. May use traditional flame-based cremation, calcination, or alkaline hydrolysis.

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 Southeast Kentucky Community & Technical 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 23 similar programs. Actual outcomes may vary.