DegreeVerdict
ROI Calculator
← Program directory
COLLEGE + DEGREE OUTCOMES

Finance and Financial Management Services associate's degree at Lake Area Technical College

Watertown, SD · Public

What this page covers

Federal data group related majors at the same college and degree level. One record can include several named programs or concentrations.

The short version

Reported earnings are close to similar programs.

$4,493 below the national median for the same field and degree level.

Debt as a share of earnings
36.6% of annual earnings
Highest price with a positive payoff
Not reached
Modeled 10-year payoff
−80% · Negative payoff
Available price data
College-wide context only
PRICE SENSITIVITY

The price can change the verdict.

Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.

What stays fixed$47,420 observed annual earnings · 2 years of study · $45,000 alternative annual earnings · ten-year horizonThe marked price is this college’s institution-wide average net price, not the exact price of this program category. This is a sensitivity test, not a tuition quote or earnings forecast.
OUTCOME SIGNALS

Graduate outcomes from several angles.

Follow earnings over time and inspect the cohort behind each federal measure.

-2%Earnings growth, year 1 → 5$40,070 → $39,173
Not availableEarn above high-school thresholdGraduate count in the year-4 cohort
19Working in the college’s stateGraduate count in the year-4 cohort
25Year-5 earnings observationsCohort behind the year-5 median
37Borrowers representedCohort behind the debt median
Not availableAwarding-school debtDebt attributed to the college granting the credential
Not availableRecent awardsIPEDS 2024–25 first-major completions in this field and credential
NEW FEDERAL PROGRAM CONTEXT

Size, aid and an earnings floor.

The Department of Education’s 2026 informational preview adds current program participation and a preliminary earnings comparison. It does not make a final eligibility determination.

74Students receiving federal aid2024–25 Title IV enrollment
15Federal-aid completers2024–25 program completers
41Pell Grant recipients2024–25 program count
45Federal loan borrowers2024–25 unduplicated count
25Graduates not recorded as employedHistorical federal cohort, three years after completion
Preliminary federal earnings benchmark$36,067Informational preview, not a final accountability result
Observed year-4 earnings$47,420$11,353 above the preliminary benchmark

Source: U.S. Department of Education PPD:2026 informational preview. Program categories use OPEID, four-digit field and credential level; federal-aid counts do not represent every enrolled student. Completion and employment measures use older cohorts shown above and are not combined into the payoff estimate.

01 · PRICE CONTEXT$15,979

Institution-wide annual average net price, not this program’s price.

02 · BORROWING$17,374

Median federal debt across schools attended at this academic level.

03 · EARNINGS$47,420

Observed median earnings four full years after completion.

04 · REPAYMENT$184/mo

Estimated standard 10-year federal payment.

ADDITIONAL WORKFORCE PROGRAM REPORTS

4 related offerings reported to the Department of Labor

These provider-reported records add named prices, completion and employment context where available. They describe a separate workforce-program cohort and may include non-degree training, so they are not blended into the College Scorecard earnings or DegreeVerdict ROI.

Banking, Certificate · CIP 52.0803

Banking - UpSkill In-Person

Reported price
$5,276
Completion
Not reported
Employed in Q2
Not reported
Q2 quarterly earnings
Not available
This program provides online instruction, e-learning, or distance learning only.
Banking, Certificate · CIP 52.0803

Banking - UpSkill Online

Reported price
$5,276
Completion
Not reported
Employed in Q2
Not reported
Q2 quarterly earnings
Not available
This program provides online instruction, e-learning, or distance learning only.
Associate of Applied Science · CIP 52.0803

Financial Services | AAS | Campus

Reported price
$20,533
Completion
71.0%
Employed in Q2
4.0%
Q2 quarterly earnings
$5,699
This program provides in-person instruction only.
Associate of Applied Science · CIP 52.0803

Financial Services | AAS | Online

Reported price
$22,820
Completion
49.0%
Employed in Q2
11.0%
Q2 quarterly earnings
$11,778
This program provides online instruction, e-learning, or distance learning only.
Program year 2022. Quarterly earnings are not annual salary. Suppressed values appear as “Not reported.” Source: U.S. Department of Labor TrainingProviderResults.gov. Showing 4 of 4 related records.
WHAT WILL IT COST?

Published college costs provide the starting point.

Your exact offering, aid, residency and time to finish determine the price you actually pay.

Enter my price →
AVERAGE NET PRICE$15,979Institution-wide annual figure
COST OF ATTENDANCE$19,637Institution-wide annual budget
ADMISSION RATENot availableInstitution context
COMPLETION RATE73.1%Institution-wide completion rate
WHAT DO GRADUATES EARN?

Reported earnings after completion.

Each point may represent a different federal cohort. A missing bar means the figure was unavailable or suppressed.

$40,070Year 1
$47,420Year 4
$39,173Year 5
CAN THE EARNINGS SUPPORT THE DEBT?

4.7% of gross monthly earnings

Estimated monthly payment divided by observed gross monthly earnings. This excludes taxes, other debts and income-driven repayment.

Gross monthly earnings$3,952
Estimated loan payment$184
37borrowers represented where reported
HOW DOES IT COMPARE?

$47,420 vs. $51,913

$4,493 below the national median for the same field and credential.

Same-field national median
WHAT WORK CAN IT LEAD TO?

Related occupations, wages and outlook.

Official CIP–SOC links show careers the curriculum may prepare students for, not observed jobs held by this school’s graduates. BLS wages describe everyone working in an occupation.

BLS May 2025 wage estimates and 2025–35 employment projections.
Financial Managers$159,700 median wageSD estimate · 1,000 jobs · 11-3031$134,980–$192,530 middle 50% of SD wages+9.7% projected U.S. growth · 65,600 openings/yrTypical entry: Bachelor's degreeBusiness Teachers, Postsecondary$72,650 median wageSD estimate · 260 jobs · 25-1011$62,150–$101,240 middle 50% of SD wages+5.9% projected U.S. growth · 7,600 openings/yrTypical entry: Doctoral or professional degreeFinancial and Investment Analysts$99,150 median wageSD estimate · 820 jobs · 13-2051$69,690–$140,150 middle 50% of SD wages+7.2% projected U.S. growth · 24,700 openings/yrTypical entry: Bachelor's degreeFinancial Risk Specialists$78,960 median wageSD estimate · 130 jobs · 13-2054$73,570–$125,550 middle 50% of SD wages+7.4% projected U.S. growth · 4,800 openings/yrTypical entry: Bachelor's degreeCredit Analysts$73,040 median wageSD estimate · 430 jobs · 13-2041$58,690–$96,810 middle 50% of SD wages-4.3% projected U.S. growth · 3,100 openings/yrTypical entry: Bachelor's degreeCredit Counselors$48,890 median wageSD estimate · 27,770 jobs · 13-2071$45,400–$49,760 middle 50% of SD wages+3.3% projected U.S. growth · 2,000 openings/yrTypical entry: Bachelor's degreeGeneral and Operations Managers$137,400 median wageSD estimate · 4,280 jobs · 11-1021$105,210–$185,100 middle 50% of SD wages+5.0% projected U.S. growth · 285,000 openings/yrTypical entry: Bachelor's degreePersonal Financial Advisors$128,720 median wageSD estimate · 620 jobs · 13-2052$101,200–$204,320 middle 50% of SD wages+1.4% projected U.S. growth · 17,100 openings/yrTypical entry: Bachelor's degreeSecurities, Commodities, and Financial Services Sales Agents$86,780 median wageSD estimate · 730 jobs · 41-3031$47,960–$127,980 middle 50% of SD wages+1.4% projected U.S. growth · 35,100 openings/yrTypical entry: Bachelor's degreeLoan Officers$79,920 median wageSD estimate · 1,820 jobs · 13-2072$65,570–$99,750 middle 50% of SD wages+1.1% projected U.S. growth · 17,100 openings/yrTypical entry: Bachelor's degreeBudget Analysts$79,180 median wageSD estimate · 120 jobs · 13-2031$64,920–$96,100 middle 50% of SD wages+1.9% projected U.S. growth · 2,900 openings/yrTypical entry: Bachelor's degreeChief Executives$280,900 median wageSD estimate · 510 jobs · 11-1011$211,870–$428,840 middle 50% of SD wages+3.2% projected U.S. growth · 19,100 openings/yrTypical entry: Bachelor's degree
Possible alternatives

Same degree, stronger on at least one reported measure.

Every option below reports higher earnings, lower federal debt or a lower college-wide net price. Same-state options appear first.

Columbus, OH

Columbus State Community College

$9,575 higher earnings · $7,579 lower annual net price

Earnings
$56,995
Debt
Not available
Annual net price
$8,400
View outcomes →
DATA QUALITY

Check the evidence behind the estimate.

25 observations in the earnings cohort

June 10, 2026 College Scorecard release

Observed, estimated and contextual figures are labeled separately throughout this page

IS IT WORTH IT AT YOUR PRICE?

Your price and current earnings determine the result.

Add your grants, borrowing and current salary to estimate payment pressure, break-even time and ten-year payoff.

Calculate my payoff →