-100%
3-year cohort default rate
3-year cohort default rate at Owensboro Community and Technical College fell 100% between 2021 and 2024 (3.1% → 0.0%).
Kentucky · Public · Predominantly certificates
Owensboro Community and Technical College
Owensboro, Kentucky. 2,579 undergraduate students. 54 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Owensboro Community and Technical 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.
-58%
Out-of-state tuition
Out-of-state tuition at Owensboro Community and Technical College fell 58% between 2021 and 2024 ($15.2k → $6.4k).
+15%
150%-time completion
150%-time completion at Owensboro Community and Technical College rose 15% between 2006 and 2009 (21.8% → 25.0%).
+12%
Undergraduate enrollment
Undergraduate enrollment at Owensboro Community and Technical College rose 12% between 2021 and 2024 (2.4k → 2.6k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Kentucky
Each tile compares this institution to the Kentucky median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$35,798+14% · 6→10y
Kentucky median $37,114$31,283
Treasury earnings · 6y post-entry49.2%+60% · '97→'09
Kentucky median 49.7%$5,500+237% · '97→'20
At program completion2,579+40% · '96→'24
latest IPEDS72.5%+25% · '04→'24
first-time, full-time—
latest cohort$4,656+278% · '00→'24
out-of-state $6,192SECTION 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
2.0%Median federal debt $5,500 amortized over 10 years vs. median earnings $35,798 (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.
+60%
Owensboro Community and Technical College · completion · 150% rose
15.7% → 25.0%
+25%
Owensboro Community and Technical College · retention rose
55.0% → 69.0%
+40%
Owensboro Community and Technical College · undergrad enrollment rose
1,887 → 2,648
+278%
Owensboro Community and Technical College · in-state tuition rose
$1,250 → $4,728
+81%
Owensboro Community and Technical College · out-of-state tuition rose
$3,550 → $6,432
+237%
Owensboro Community and Technical College · median debt rose
$2,354 → $7,933
-100%
Owensboro Community and Technical College · cohort default rate fell
20.3% → 0.0%
+22%
Owensboro Community and Technical College · pell share rose
25.0% → 30.6%
+32%
Owensboro Community and Technical College · earnings_median_10yr rose
$27,200 → $35,798
+24%
Owensboro Community and Technical College · earnings_median_8yr rose
$26,900 → $33,407
+29%
Owensboro Community and Technical College · earnings_median_6yr rose
$24,200 → $31,283
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.
Electrical and Power Transmission Installers.$76,975Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$58,234Multi/Interdisciplinary Studies, Other.$50,778Criminal Justice and Corrections.$45,916Liberal Arts and Sciences, General Studies and Humanities.$37,879Health and Medical Administrative Services.$34,724
SECTION 06 · BY CIP FAMILY
6 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
LIBERAL ARTS & GENERAL STUDIES · CIP 24
MULTI/INTERDISCIPLINARY STUDIES · CIP 30
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
CONSTRUCTION TRADES · CIP 46
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Owensboro Community and Technical 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
$109,309
Over 40 years, discounted 5.0%
BREAKEVEN
Year 14
First year cumulative discounted earnings cross zero
- Cost per year
- $5,809
- HS-only baseline · KY
- $33,900
- 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 Kentucky
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Owensboro Community and Technical College graduates earn $X” — not “Owensboro Community and Technical College makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Owensboro Community and Technical 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.