Analysis
Sullivan University's accounting associate program carries $28,081 in median debt—roughly $8,000 above the national median and $7,000 more than Kentucky's typical accounting program. That's a meaningful difference when earnings four years out hit $42,764, especially given that first-year earnings for similar programs nationally sit around $37,000.
The debt load here ranks in just the 5th percentile nationally, meaning 95% of comparable accounting programs leave students with less debt. While the four-year earnings figure is actual reported data and lands solidly above both the national median ($37,000) and Kentucky's median ($26,189), you're starting with a steeper climb. With a debt-to-earnings ratio around 0.76 based on peer programs, graduates would need to dedicate roughly nine months of their first year's gross income to clear this debt—manageable, but only if those estimated first-year earnings hold true for Sullivan's specific graduates.
The concerning element is that only 11% of students here receive Pell grants, suggesting this is an expensive option primarily serving families who can shoulder higher costs. If you're considering this program, compare it directly against community college accounting programs in Kentucky that might deliver similar credentials with substantially less debt. The extra $8,000 in borrowing needs to translate into meaningfully better career placement or connections to justify the premium.
Where Sullivan University Stands
Earnings vs. debt across all accounting associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Sullivan University | — | $42,764 | — |
| Southern New Hampshire University | $37,986 | $53,096 | +40% |
| Connecticut State Community College | $42,591 | $52,194 | +23% |
| Nassau Community College | $35,513 | $51,744 | +46% |
| Interactive College of Technology-Newport | $26,189 | $23,396 | -11% |
Compare to Similar Programs in Kentucky
Accounting associates's programs at peer institutions in Kentucky (6 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $14,220 | $37,001* | $42,764 | $28,081 | — | |
| $10,970 | $26,189* | $23,396 | $13,557 | 0.52 | |
| National Median | — | $37,000* | — | $19,354 | 0.52 |
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 Sullivan University, approximately 11% 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 118 similar programs. Actual outcomes may vary.