Business Administration, Management and Operations at University of Toledo

Similar programs across Ohio suggest a first-year salary around $37,000 for this associate's degree, paired with an estimated debt load of roughly $14,000. That 0.38 debt-to-earnings ratio is manageable—you're looking at borrowing less than four months of anticipated income—which puts this squarely in affordable territory for an entry credential.

What strengthens the case here is the four-year trajectory: graduates see median earnings climb to $46,000, showing real income growth beyond that initial post-graduation figure. That's notably above both the national median for business associate's degrees ($34,000) and competitive with standalone bachelor's programs at some schools. Ohio's business job market appears to reward this credential reasonably well, with peer programs like Sinclair and Cincinnati State producing similar outcomes.

The caveat: University of Toledo's figures here are estimates drawn from 25 comparable Ohio programs, not tracked outcomes for this specific cohort. The debt estimate sits below Ohio's typical $16,000 for these programs, which is encouraging, but you're making a decision with incomplete information about this particular pathway. If your child can complete this efficiently while living at home or keeping costs controlled, the math works. Just know you're betting on the credential performing like its Ohio peers rather than on verified Toledo-specific data.