Business/Commerce at Vermont State University

A debt load of $11,000 for an associate's degree in business positions graduates reasonably well compared to what peer programs typically require. Based on national benchmarks, business associate's programs nationwide carry a median debt of $13,437, while Vermont's three programs average $17,812. If these estimates hold, Vermont State's graduates would enter the workforce with notably less financial burden than their in-state peers while facing similar earning trajectories—comparable programs in Vermont suggest first-year earnings around $37,000.

The debt-to-earnings ratio of 0.30 falls within manageable territory, though business associate's degrees nationwide show a wide earnings range. Some programs place graduates at over $43,000 in their first year, suggesting that employer connections and local job markets matter considerably. The relatively high admission rate and significant Pell grant enrollment indicate Vermont State serves students who may have limited alternatives, making the lower estimated debt particularly meaningful for families watching every dollar.

Here's what matters practically: if your child can complete this degree with debt near $11,000, they're looking at monthly loan payments around $125—achievable on a $37,000 salary. The challenge lies in knowing whether this specific program delivers the internships and employer relationships that distinguish stronger-earning business programs from weaker ones. Contact current students or recent alumni directly to gauge whether Vermont State's business network justifies choosing it over Community College of Vermont, which reports actual outcomes in the same range.