Analysis
The debt picture here looks manageable—comparable Fire Protection associate's programs nationally carry around $10,370 in student loans, while similar programs in Illinois suggest first-year earnings near $58,000. That puts the debt burden at roughly 19% of first-year income, well below the threshold that typically signals trouble. For a two-year credential in a field with steady demand, this ratio suggests graduates should be able to handle their loan payments without major strain.
What's worth noting is that Illinois fire protection programs tend to slightly outperform the national average, with the state median at $58,160 compared to $56,004 nationally. Southwestern Illinois College's community college setting likely keeps costs down—the estimated debt here is actually lower than the national median for these programs. Fire protection careers also offer something many fields don't: relatively predictable advancement through civil service ranks, which means the starting salary isn't the whole story.
The main caveat is that these figures are drawn from peer programs rather than this school's actual graduates, so there's inherent uncertainty. But the fundamentals—moderate debt, solid starting earnings in a stable field, and costs typical for a community college—point toward a reasonable investment. For students genuinely interested in firefighting or fire safety careers, this program offers a direct path without the financial burden of a four-year degree.
Where Southwestern Illinois College Stands
Earnings vs. debt across all fire protection associates's programs nationally
Compare to Similar Programs in Illinois
Fire Protection associates's programs at peer institutions in Illinois (26 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,870 | $56,004* | — | $10,370* | — | |
| $4,320 | $58,160* | — | —* | — | |
| National Median | — | $56,004* | — | $11,250* | 0.20 |
Career Paths
Occupations commonly associated with fire protection graduates
Fire Inspectors and Investigators
Forest Fire Inspectors and Prevention Specialists
Career/Technical Education Teachers, Postsecondary
Firefighters
Managers, All Other
Regulatory Affairs Managers
Compliance Managers
Loss Prevention Managers
First-Line Supervisors of Firefighting and Prevention Workers
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 national median of 12 similar programs. Actual outcomes may vary.