ROI Major

Liberal Arts and Sciences, General Studies and Humanities at North Central Texas College

TX · Associate's Degree · CIP 24.01

Apply Now Data: 2026 release

Executive Summary

Graduates with a Liberal Arts and Sciences, General Studies and Humanities degree from North Central Texas College earn a median salary of $51,461 within five years of graduation. Adjusted for the cost of living in TX, this represents a national purchasing power equivalent of $55,875. The degree typically pays for itself in 11.3 years.

Quick Insights

Slow Burn / High Debt Risk

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

$36,605

Typical Career

$51,461

Top Performers

$69,002

Estimated break-even: 11.3 years.

Debt-to-Income Check

$343

Estimated comfortable monthly loan payment

Typical monthly pay is approximately $4,288. Most students can comfortably afford about a $343 monthly loan payment with this degree.

Comparison Bench

This degree earns 1.3x more than the average US high school graduate and 0.7x more than the average college graduate.

Purchasing Power Context

A dollar in Texas buys what costs $0.92 nationally.

Industry Breadcrumbs

Top industries for bachelor's graduates from this school: Health Care & Social Assistance, Educational Services, Retail Trade.

Where Associate's Graduates from This School Work

Health Care & Social Assistance 29.9%
Educational Services 13.4%
Retail Trade 7.9%

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

$55,875

Nominal: $51,461 in Texas (COL 92.1% of national avg) · 8.6% 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).

11.3 years to break even
Graduation 15 years

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 $23,633 $33,224 $48,127
5 Years After Graduation $36,605 $51,461 $69,002
10 Years After Graduation $47,541 $64,882 $89,327

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 $51,461 is reported by the US Census Bureau's Post-Secondary Employment Outcomes (PSEO) dataset for graduates working in TX, which has a cost-of-living index of 92.1% of the national average.

Formula: Adjusted Salary = Nominal × (1.0 ÷ COL Index)
= $51,461 × (1.0 ÷ 0.9210) = $55,875 National Average equivalent.

COL index source: BLS Regional Consumer Price Index & MIT Living Wage Project, 2023. Full methodology →

Career Verdict

Graduates of the Liberal Arts and Sciences, General Studies and Humanities program at North Central Texas College can expect a steady earnings trajectory. One year after graduation, the median earnings stand at $33,224.00, which increases to $51,461.00 after five years and reaches $64,882.00 after ten years. When adjusted for purchasing power, the five-year salary equivalent is approximately $55,875.14, indicating that graduates can maintain a competitive standard of living relative to national averages despite a lower cost of living in Texas (COL index: 0.921).

The top industries for graduates predominantly include Health Care & Social Assistance, which accounts for 63.9% of employment, followed by Educational Services at 13.4%. The estimated break-even point for graduates compared to individuals with only a high school diploma is approximately 11.3 years. This suggests that while the initial financial return may take over a decade to match, the long-term career prospects in stable industries can provide a favorable return on investment for those pursuing this degree path.

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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.