Building/Construction Finishing, Management, and Inspection at Southern Maine Community College
Associate's Degree
smccme.eduAnalysis
A debt-to-earnings ratio of 0.24 is extraordinarily good for an associate's degree—similar programs nationally suggest borrowers could pay off their $10,866 in debt within a few months if they applied their entire first-year salary to it. Based on comparable construction programs nationwide, $44,380 in first-year earnings translates to roughly $21 per hour, which is solidly above minimum wage and represents a meaningful return for a two-year credential. The construction and inspection field tends to reward experience and certifications quickly, and Maine's active building sector—particularly in coastal communities—offers consistent demand for qualified graduates.
The challenge here is uncertainty. With both earnings and debt estimated from peer programs rather than Southern Maine's actual outcomes, parents are making decisions on limited visibility. The estimates come from a small pool of similar programs nationally (just 12 for earnings, 5 for debt), which means your child's actual experience could vary significantly. That said, the fundamentals are promising: the construction industry in Maine shows persistent labor shortages, and associate's degrees in skilled trades generally outperform bachelor's degrees in some liberal arts fields when it comes to immediate employability.
If your child is mechanically inclined and interested in construction management or inspection work, this program offers a relatively low-risk entry point. The estimated debt burden is manageable even if actual earnings fall short of projections, and the credential opens doors to careers with clear advancement paths.
Where Southern Maine Community College Stands
Earnings vs. debt across all building/construction finishing, management, and inspection associates's programs nationally
Compare to Similar Programs Nationally
Building/Construction Finishing, Management, and Inspection associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,797 | $44,380* | — | $10,866* | — | |
| $5,040 | $63,103* | — | —* | — | |
| $6,359 | $62,398* | $63,942 | —* | — | |
| $25,659 | $59,074* | $52,775 | $18,750* | 0.32 | |
| $4,912 | $51,303* | $60,160 | $7,000* | 0.14 | |
| $6,196 | $47,694* | $50,481 | —* | — | |
| National Median | — | $44,380* | — | $11,433* | 0.26 |
Career Paths
Occupations commonly associated with building/construction finishing, management, and inspection graduates
Facilities Managers
Security Managers
Construction and Building Inspectors
Energy Auditors
Civil Engineering Technologists and Technicians
Structural Iron and Steel Workers
Drywall and Ceiling Tile Installers
Cement Masons and Concrete Finishers
Terrazzo Workers and Finishers
Glaziers
Carpet Installers
Floor Layers, Except Carpet, Wood, and Hard Tiles
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 Southern Maine Community College, approximately 25% 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 12 similar programs. Actual outcomes may vary.