Entrepreneurial and Small Business Operations: is this associate's degree worth it?
National picture across 8 reporting college programs.
−$179,655 over 10 years
National scenario across reporting associate's degree programs, using median year-4 earnings, their institutions’ average net prices and a typical 2-year duration.
At these assumptions, the estimated earnings premium does not recover the modeled economic investment within ten years.
Observed national outcomes
The same field can produce a different equation.
Keep the federal field fixed and compare observed outcomes at every reportable credential level. These are separate graduate cohorts—not a promise that more schooling causes the difference.
Undergraduate Certificate or Diploma
- Year-4 earnings
- $55,488
- Federal debt
- $18,788
- Reporting programs
- 14
Associate's Degree
- Year-4 earnings
- $38,419
- Federal debt
- $16,918
- Reporting programs
- 8
Bachelor's Degree
- Year-4 earnings
- $60,437
- Federal debt
- $24,250
- Reporting programs
- 80
Post-baccalaureate Certificate
- Year-4 earnings
- $72,411
- Federal debt
- $28,508
- Reporting programs
- 1
Master's Degree
- Year-4 earnings
- $107,998
- Federal debt
- Not available
- Reporting programs
- 9
Non-Credential Program (Preparatory Coursework/Teacher Certification)
- Year-4 earnings
- $30,039
- Federal debt
- Not available
- Reporting programs
- 1
Where the middle half of programs lands
Year‑4 earnings differ by college. This band shows the 25th percentile, national median and 75th percentile among reporting programs.
See the spread, not just the national number.
1Southeast Technical College$46,6742College of Southern Idaho$44,2033Seminole State College of Florida$41,5914Hutchinson Community College$40,6715National American University-Rapid City$36,1666Cuyahoga Community College District$33,8637NUC University$26,292Observed year-4 earnings · top displayed records are not a universal ranking
Related occupations
Official CIP–SOC links add career context without claiming that every graduate enters the same job.
Same degree, different outcomes
Compare reported outcomes using the same federal field and credential. ROI uses each institution’s average net price as a scenario—not an individual aid offer.
| # | College | Location | Earnings, year 4 | Federal debt | 10-year ROI | Verdict |
|---|---|---|---|---|---|---|
| 1 | Southeast Technical CollegeAssociate's Degree | Sioux Falls, SD | $46,674 | Not available | -87% | Negative payoff |
| 2 | College of Southern IdahoAssociate's Degree | Twin Falls, ID | $44,203 | Not available | -108% | Negative payoff |
| 3 | Seminole State College of FloridaAssociate's Degree | Sanford, FL | $41,591 | Not available | -132% | Negative payoff |
| 4 | Hutchinson Community CollegeAssociate's Degree | Hutchinson, KS | $40,671 | $17,920 | -142% | Negative payoff |
| 5 | National American University-Rapid CityAssociate's Degree | Rapid City, SD | $36,166 | Not available | -158% | Negative payoff |
| 6 | Cuyahoga Community College DistrictAssociate's Degree | Cleveland, OH | $33,863 | Not available | -213% | Negative payoff |
| 7 | NUC UniversityAssociate's Degree | Bayamon, PR | $26,292 | $15,916 | -273% | Negative payoff |
| 8 | National American University-EllsworthAssociate's Degree | , | $36,166 | Not available | WithheldPrice-proxy sensitive | Not available |
This page keeps the field and credential level fixed. Federal categories can still combine multiple catalog programs or concentrations. Automated ROI is limited to associate and bachelor’s degrees because institution-wide annual net price is not a reliable proxy for short certificate prices. ROI is an illustrative scenario, not a federal determination.