Analysis
A debt-to-earnings ratio of 0.43 represents manageable borrowing—based on comparable accounting associate's programs nationwide, graduates here would owe roughly $16,000 against first-year earnings around $37,000. That's less than half the first year's salary, which suggests this credential could deliver reasonable value for students seeking entry into accounting or bookkeeping roles.
However, context matters considerably. The state benchmark for accounting associate's programs in Nebraska sits at just $7,370 in median debt—less than half what peer programs nationally suggest for Western Nebraska. If other Nebraska schools achieve similar outcomes with dramatically lower borrowing, that's worth investigating. The challenge is that none of Nebraska's four accounting associate's programs have reported actual outcomes data, making direct comparisons impossible.
The bottom line: This appears to be a practical pathway into accounting work without crippling debt, assuming the national estimates hold. But before committing, compare the total program cost at Western Nebraska against other community colleges in the state. If you can access similar training for $7,000-$8,000 instead of $16,000, that's an extra $8,000 your child won't need to repay on an entry-level salary.
Where Western Nebraska Community College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs Nationally
Accounting associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,000 | $37,001* | — | $15,979* | — | |
| $2,550 | $58,469* | $44,916 | $22,215* | 0.38 | |
| $8,216 | $52,576* | $50,545 | $24,956* | 0.47 | |
| $31,168 | $52,576* | $50,545 | $24,956* | 0.47 | |
| $5,050 | $49,685* | $48,712 | —* | — | |
| $6,270 | $48,832* | — | $19,254* | 0.39 | |
| 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 Western Nebraska Community College, approximately 25% 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.