Analysis
A debt-to-earnings ratio of 0.60 sits right at the threshold that financial aid experts consider manageable, though both figures here come from similar programs rather than Stillman's actual graduates. Based on Alabama's business program landscape, first-year earnings around $45,000 represent the middle of the pack—Troy University reports identical numbers, while University of South Alabama grads earn about $5,000 more and Huntingdon College grads significantly less. The estimated $27,000 debt load aligns closely with what business majors typically carry nationwide.
What matters most for Stillman families is the school's mission and student body. With 68% of students receiving Pell grants, this is an institution serving first-generation and lower-income students who might not have other bachelor's degree options. If your child fits that profile and needs the structure and support of a small HBCU, the estimated debt burden appears reasonable based on typical business program outcomes in Alabama—monthly loan payments would consume roughly 10-12% of gross income in the first year.
The real question is whether Stillman specifically can deliver earnings closer to the $50,000+ range that some Alabama peers achieve, or whether graduates might face the $32,000 outcomes seen at programs on the lower end. Without actual data from this campus, visit and ask directly: where do recent business graduates work, and what are they earning? Those conversations will tell you more than state-wide estimates can.
Where Stillman College Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
Compare to Similar Programs in Alabama
Business/Commerce bachelors's programs at peer institutions in Alabama (10 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $11,392 | $45,195* | — | $27,000* | — | |
| $13,920 | $55,431* | $59,763 | $56,517* | 1.02 | |
| $9,676 | $50,515* | $43,455 | $30,980* | 0.61 | |
| $9,792 | $45,195* | $50,533 | $26,500* | 0.59 | |
| $23,920 | $44,785* | — | $27,660* | 0.62 | |
| $28,650 | $32,446* | $63,213 | $27,000* | 0.83 | |
| National Median | — | $47,506* | — | $26,000* | 0.55 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 Stillman College, approximately 68% 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 5 similar programs in AL. Actual outcomes may vary.