Analysis
An accounting certificate that costs $15,516 to complete and leads to estimated earnings of $45,004 carries less than a four-month debt burdenβa notably favorable ratio for this type of credential. Based on comparable programs across Illinois, these figures suggest a relatively quick path to positive returns in a field with consistent demand.
The estimated earnings align with Illinois state medians for accounting certificates, though actual outcomes could fall anywhere in the range seen across the stateβfrom $31,747 at Harper College to over $50,000 at College of DuPage. The estimated debt sits somewhat higher than Illinois' typical $11,274, though still manageable given the income potential. What makes this program worth considering is the underlying credential type: accounting certificates typically offer practical skills that employers value immediately, particularly in the St. Louis metro area where Southwestern Illinois College draws many students.
The catch is uncertainty. These estimates derive from peer programs because Southwestern's cohort was too small for the Department of Education to report actual outcomes. That could mean the program is still building enrollment, or simply that graduates scatter across diverse career paths. For parents evaluating this investment, the estimated debt-to-earnings picture looks sound on paper, but requesting recent placement rates and typical starting roles from the college itself would provide crucial missing context about how this specific program performs.
Where Southwestern Illinois College Stands
Earnings vs. debt across all accounting certificate's programs nationally
Compare to Similar Programs in Illinois
Accounting certificate's programs at peer institutions in Illinois (44 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,870 | $45,004* | β | $15,516* | β | |
| $4,320 | $52,724* | β | β* | β | |
| $13,546 | $47,506* | β | $13,047* | 0.27 | |
| $3,552 | $42,502* | β | $9,500* | 0.22 | |
| $3,822 | $31,747* | β | β* | β | |
| National Median | β | $31,684* | β | $13,047* | 0.41 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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 Southwestern Illinois College, approximately 26% 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 median of 4 similar programs in IL. Actual outcomes may vary.