Analysis
A debt load around $13,000 for any associate's degree represents a manageable starting point, particularly when paired with first-year earnings near $36,000—figures drawn from comparable interdisciplinary programs nationwide. That 0.36 debt-to-earnings ratio suggests graduates could reasonably handle repayment while meeting other expenses, though the interdisciplinary nature of this credential raises questions about career pathways that these estimates can't fully capture.
Montana's small population means limited data on how these programs specifically perform in-state, where job markets differ considerably from national averages. While UM-Western's open admission policy and significant Pell grant population (35%) indicate a mission focused on access, interdisciplinary associate's degrees often serve as stepping stones rather than terminal credentials. Students using this as a transfer pathway to complete a bachelor's degree may find the investment worthwhile, but those planning to enter the workforce directly should investigate which local employers value this particular credential.
The challenge here is that "interdisciplinary studies" can mean vastly different skill sets depending on the program's design—from pre-professional preparation to general liberal arts. Before committing, confirm exactly what employers in Dillon and surrounding Montana communities recognize this degree as qualifying graduates to do, since the estimated financial outcomes assume it functions similarly to interdisciplinary programs elsewhere that may target very different labor markets.
Where The University of Montana-Western Stands
Earnings vs. debt across all multi/interdisciplinary studies associates's programs nationally
Compare to Similar Programs Nationally
Multi/Interdisciplinary Studies associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $6,430 | $35,979* | — | $13,012* | — | |
| $5,715 | $59,456* | $57,364 | —* | — | |
| $6,638 | $58,827* | $80,459 | $11,312* | 0.19 | |
| $4,448 | $51,330* | $52,881 | —* | — | |
| $4,706 | $48,307* | $50,784 | $13,077* | 0.27 | |
| $5,044 | $45,236* | — | —* | — | |
| National Median | — | $35,979* | — | $13,023* | 0.36 |
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 The University of Montana-Western, approximately 35% 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 29 similar programs. Actual outcomes may vary.