What the IPEDS & College Scorecard Data Shows for Business/Commerce, General
Business/Commerce, General is tracked across 513 U.S. postsecondary institutions in the College Scorecard field-of-study file, which links CIP code classifications from IPEDS to Treasury earnings records. This profile covers the associate's credential level specifically, because the Department of Education reports program-level outcomes separately for associate, bachelor’s, master’s, and doctoral awards. The CIP (Classification of Instructional Programs) taxonomy lets analysts roll up specialties into broader families, which is why earnings medians across schools can be compared on a common basis.
Across all reporting institutions, the mean of school-level medians is $60,124, calculated from 100 schools with published earnings data. The earnings distribution stretches from $52,569 at the low end to $83,959 at the top, with a 25th-75th percentile band between $57,807 and $62,059 around a median of $60,441. The top-reporting institution in this program is Thomas More University at $83,959. These numbers reflect earnings measured roughly a year after completion, using Social Security Administration tax records linked to federal financial aid applicants.
Variation across schools matters more than a single national figure. Completers counts reported per school indicate how many graduates’ earnings feed the median, which means small programs produce more volatile numbers. Median debt at the program level, when paired with earnings, yields a debt-to-earnings ratio that is the College Scorecard’s standard affordability signal — ratios under 1.0 indicate earnings exceed cumulative debt. Use the school-by-school table to spot institutions where Business/Commerce, General graduates out-earn peers at comparable cost, and to surface gainful-employment patterns that only become visible at the CIP-code level.
Business/Commerce, General associate's credential median debt varies 11× across entities
Business/Commerce, General associate's credential median debt ranges from $3,800 (lowest) to $42,000 (highest), a spread of $38,200. That ratio is among the widest observed and reflects extreme cost-of-attendance variation — students at the high end accumulate substantially more debt for the same credential, often without proportionally higher post-graduation earnings. Median debt counts only those students who borrowed federal loans — students who paid out-of-pocket or received institutional grants are excluded from the borrower median, which can flatter low-debt schools.
Business/Commerce, General debt-to-earnings ratio is 0.32 — low (typically associated with graduates earn substantially more than they borrowed, which is the College Scorecard standard signal for affordability — a ratio under 0.5 means a year of post-completion earnings would clear half the federal-loan principal)
debt-to-earnings ratio is the simplest comparative metric but it does not capture the full picture: this ratio uses federal loan principal, not all education debt — private loans, parent PLUS loans not in the borrower’s name, and institutional debt are excluded Lower values often correlate with smaller scale and population characteristics rather than higher resource budgets per se.
Earnings data comes from the U.S. Department of Education College Scorecard Field of Study file. Median earnings represent graduates who received federal financial aid, drawn from U.S. Treasury tax records linked to federal student aid applicants. Completers count and debt figures reflect program-level data reported through IPEDS. Data is updated annually.