Human Development, Family Studies, and Related Services at St. Cloud Technical and Community College
MN · Associate's Degree · CIP 19.07
Executive Summary
Graduates with a Human Development, Family Studies, and Related Services degree from St. Cloud Technical and Community College earn a median salary of $32,595 within five years of graduation. Adjusted for the cost of living in MN, this represents a national purchasing power equivalent of $34,639. The degree typically pays for itself in 68.9 years.
Quick Insights
How this degree looks at a glance
A fast read on salary range, break-even speed, living-cost impact, and where graduates from this school usually land.
Salary Ranges
Starting Range
$24,675
Typical Career
$32,595
Top Performers
$40,511
Estimated break-even: 68.9 years.
Debt-to-Income Check
$217
Estimated comfortable monthly loan payment
Typical monthly pay is approximately $2,716. Most students can comfortably afford about a $217 monthly loan payment with this degree.
Comparison Bench
This degree earns 0.8x more than the average US high school graduate and 0.4x more than the average college graduate.
Purchasing Power Context
A dollar in Minnesota buys what costs $0.94 nationally.
Industry Breadcrumbs
Top industries for bachelor's graduates from this school: Health Care & Social Assistance, Manufacturing, Retail Trade.
Where Associate's Graduates from This School Work
Institution-wide industry mix for graduates, 5 years after graduation. This is not major-specific. Source: Census PSEO Flows.
5-Year Median Salary — National Purchasing Power Equivalent
$34,639
Nominal: $32,595 in Minnesota (COL 94.1% of national avg) · 6.3% higher purchasing power
10-Year Earnings Curve
Break-Even Timeline
How long until cumulative earnings advantage exceeds total college investment (tuition + opportunity cost vs. entering workforce directly after high school).
Total Investment
$155,168
4yr tuition + 4yr opportunity cost
HS Graduate Baseline
$38,792/yr
BLS 2023 median, HS diploma
View Raw Data: Median Earnings by Year
| Timeframe | 25th Pct. | Median (50th) | 75th Pct. |
|---|---|---|---|
| 1 Year After Graduation | $21,227 | $25,764 | $31,772 |
| 5 Years After Graduation | $24,675 | $32,595 | $40,511 |
| 10 Years After Graduation | $32,393 | $42,273 | $53,343 |
Source: US Census Bureau Post-Secondary Employment Outcomes (PSEO), 2025 release. Earnings shown for Bachelor's degree graduates (all cohorts combined).
How We Calculate Purchasing Power
The median salary of $32,595 is reported by the US Census Bureau's Post-Secondary Employment Outcomes (PSEO) dataset for graduates working in MN, which has a cost-of-living index of 94.1% of the national average.
Formula: Adjusted Salary = Nominal × (1.0 ÷ COL Index)
= $32,595 × (1.0 ÷ 0.9410)
= $34,639 National Average equivalent.
COL index source: BLS Regional Consumer Price Index & MIT Living Wage Project, 2023. Full methodology →
Career Verdict
The primary industries for graduates are predominantly within Health Care & Social Assistance, with 43.2%, 39.2%, and 31.1% entering this sector at various stages. This concentration suggests a strong alignment between the program and employment opportunities in a growing field. However, the estimated break-even point compared to a high-school-only path is approximately 68.9 years, indicating that while there are opportunities for career advancement, the return on investment may be lengthy, necessitating careful consideration of long-term career goals.
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Other Degrees at St. Cloud Technical and Community College
Data sources: US Census Bureau Post-Secondary Employment Outcomes (PSEO). Cost-of-living index: BLS Regional CPI & MIT Living Wage Project. Cost of attendance: IPEDS. For informational use only; data may be suppressed for small cohort sizes.