Analysis
The first-year earnings picture looks reasonable—national data for associate's marketing programs suggests graduates start around $42,000, putting the debt-to-earnings ratio at a manageable 0.37. However, the four-year earnings figure of $26,729 raises serious questions. If this reflects actual outcomes for University of Montana graduates rather than an estimation issue, it suggests earnings might decline rather than grow after graduation, which is highly unusual and concerning.
This discrepancy matters because you're making a financial decision on limited information. With Montana having just one associate's marketing program tracked in the national data, there's no local context to assess whether this program performs differently than typical marketing associate's degrees elsewhere. The estimated $15,600 in debt is modest compared to the national median of $19,149, but that's only valuable if the earnings trajectory actually holds up.
Before committing, you need to understand what's happening between year one and year four. Contact the school directly to ask about graduate outcomes, typical career paths, and whether students tend to continue their education or move into roles that might explain the earnings drop. The lower debt burden provides some protection against downside risk, but the four-year earnings number is too puzzling to ignore without additional context about what drives it.
Where The University of Montana Stands
Earnings vs. debt across all marketing associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| The University of Montana | — | $26,729 | — |
| Schoolcraft Community College District | $48,724 | $46,865 | -4% |
| Nassau Community College | $19,002 | $46,526 | +145% |
| Rasmussen University-Minnesota | $44,293 | $44,488 | +0% |
| Rasmussen University-Florida | $44,293 | $44,488 | +0% |
Compare to Similar Programs Nationally
Marketing associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $8,152 | $41,955* | $26,729 | $15,597* | — | |
| $4,448 | $48,724* | $46,865 | $14,943* | 0.31 | |
| $16,450 | $45,084* | — | $22,546* | 0.50 | |
| $4,058 | $44,748* | — | $19,652* | 0.44 | |
| $10,899 | $44,293* | $44,488 | $27,167* | 0.61 | |
| $15,117 | $44,293* | $44,488 | $27,167* | 0.61 | |
| National Median | — | $41,955* | — | $19,149* | 0.46 |
Career Paths
Occupations commonly associated with marketing graduates
Advertising and Promotions Managers
Marketing Managers
Sales Managers
Fundraising Managers
Web and Digital Interface Designers
Video Game Designers
Business Teachers, Postsecondary
Market Research Analysts and Marketing Specialists
Search Marketing Strategists
Fundraisers
Survey Researchers
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, approximately 28% 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 18 similar programs. Actual outcomes may vary.