-100%
3-year cohort default rate
3-year cohort default rate at Montgomery College fell 100% between 2021 and 2024 (2.5% → 0.0%).
Maryland · Public · Predominantly associate's
Montgomery College
Rockville, Maryland. 13,519 undergraduate students. 101 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Montgomery College
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+24%
150%-time completion
150%-time completion at Montgomery College rose 24% between 2006 and 2009 (11.3% → 14.0%).
+14%
Public associate's-predominant peer
10-year earnings at Montgomery College are 14% above the public associate's-predominant peer median ($50.2k vs $44.0k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Maryland
Each tile compares this institution to the Maryland median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$50,159+31% · 6→10y
Maryland median $46,719$38,251
Treasury earnings · 6y post-entry27.5%+338% · '97→'09
Maryland median 52.1%$7,000+297% · '97→'20
At program completion13,519+52% · '96→'24
latest IPEDS77.8%+7% · '04→'24
first-time, full-time—
latest cohort$5,394+99% · '00→'24
out-of-state $14,250SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
1.9%Median federal debt $7,000 amortized over 10 years vs. median earnings $50,159 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+217%
Montgomery College · completion · 150% rose
3.2% → 14.0%
+52%
Montgomery College · undergrad enrollment rose
9,059 → 13,773
+99%
Montgomery College · in-state tuition rose
$2,712 → $5,394
+99%
Montgomery College · out-of-state tuition rose
$7,176 → $14,250
+297%
Montgomery College · median debt rose
$2,625 → $10,415
-100%
Montgomery College · cohort default rate fell
11.0% → 0.0%
+24%
Montgomery College · pell share rose
21.7% → 27.0%
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$95,764Engineering, General.$93,606Computer and Information Sciences, General.$86,658Allied Health Diagnostic, Intervention, and Treatment Professions.$74,218Business/Commerce, General.$63,097Multi/Interdisciplinary Studies, Other.$53,536Liberal Arts and Sciences, General Studies and Humanities.$48,247
SECTION 06 · BY CIP FAMILY
7 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
ENGINEERING · CIP 14
LIBERAL ARTS & GENERAL STUDIES · CIP 24
MULTI/INTERDISCIPLINARY STUDIES · CIP 30
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Montgomery College
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$178,721
Over 40 years, discounted 5.0%
BREAKEVEN
Year 11
First year cumulative discounted earnings cross zero
- Cost per year
- $8,266
- HS-only baseline · MD
- $41,100
- Years to complete
- 2
- CIP family
- 24
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Maryland
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Montgomery College graduates earn $X” — not “Montgomery College makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Montgomery College caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.