Analysis
The $16,250 debt burden sits comfortably below Ohio's median for business programs ($20,565) and reflects more modest borrowing than many comparable schools. With a debt-to-earnings ratio of 0.42, graduates from similar Ohio business programs typically face manageable repayment—less than half their first-year salary. However, the earnings trajectory here raises questions: while first-year earnings align with state norms around $38,871, the reported four-year earnings of $33,410 suggest either stagnant wage growth or graduates shifting to lower-paying positions after initial employment.
That earnings dip is unusual for business degrees, which typically show steady advancement. It's worth noting that Rio Grande serves a substantial Pell-eligible population (36%), and students from these backgrounds may face different employment patterns or regional constraints that affect long-term outcomes. The program's accessibility appears to come with reasonable debt, but the mid-career earnings picture—based on actual reported data—doesn't show the upward trajectory parents typically expect from a business credential.
For families considering this program, the initial debt load won't be crushing, but you should understand that career advancement may require additional credentials or relocation. The four-year earnings figure suggests that an associate's in business from Rio Grande functions more as a stepping stone than a standalone credential that commands strong wages over time.
Where University of Rio Grande Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| University of Rio Grande | — | $33,410 | — |
| Kent State University at Kent | $38,871 | $37,721 | -3% |
| Kent State University at Ashtabula | $38,871 | $37,721 | -3% |
| Kent State University at East Liverpool | $38,871 | $37,721 | -3% |
| Kent State University at Trumbull | $38,871 | $37,721 | -3% |
Compare to Similar Programs in Ohio
Business/Commerce associates's programs at peer institutions in Ohio (31 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $20,560 | $38,871* | $33,410 | $16,250 | — | |
| $4,657 | $45,238* | $37,556 | — | — | |
| $7,272 | $38,871* | $37,721 | $20,565 | 0.53 | |
| $7,272 | $38,871* | $37,721 | $20,565 | 0.53 | |
| $7,272 | $38,871* | $37,721 | $20,565 | 0.53 | |
| $7,272 | $38,871* | $37,721 | $20,565 | 0.53 | |
| National Median | — | $36,591* | — | $13,437 | 0.37 |
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 University of Rio Grande, approximately 36% 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 9 similar programs in OH. Actual outcomes may vary.