Analysis
A debt-to-earnings ratio of 0.71 suggests manageable borrowing, but the numbers behind it tell a more complicated story for this tribal college program. Based on comparable associate-level accounting programs nationally, graduates would start around $37,000—which aligns with the national median but falls notably short of North Dakota's typical $43,765. Meanwhile, the estimated debt load of $26,291 runs higher than both the national median of $19,354 and the state median of $23,823, likely reflecting the challenges of attending a small, resource-limited institution serving a predominantly low-income population (58% receive Pell grants).
The gap between what similar North Dakota programs produce in earnings and what this program likely delivers matters when you're carrying above-average debt. At Rasmussen's North Dakota campus—the only in-state program with reported data—graduates earn that higher state median. For students at Turtle Mountain, the combination of estimated lower earnings and higher debt means a longer payback period and less financial cushion in those crucial early career years. This isn't a question of program quality so much as the economic realities of place and institution type.
If your child has strong ties to this community or needs the specific support structure a tribal college provides, the debt level remains serviceable. But families should recognize they're working with limited information and potentially facing a tougher financial start than peer programs would suggest is typical for North Dakota accounting graduates.
Where Turtle Mountain Community College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in North Dakota
Accounting associates's programs at peer institutions in North Dakota (5 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $2,626 | $37,001* | — | $26,291* | — | |
| $12,715 | $43,765* | $44,358 | $23,823* | 0.54 | |
| 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 Turtle Mountain Community College, approximately 58% 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.