Is an Associate Degree in Liberal Arts and Sciences, General Studies and Humanities from Eastern University a Debt Trap?

Federal Signals

The Bottom Line

This is what a trade program is supposed to look like. A Liberal Arts and Sciences, General Studies and Humanities credential from Eastern University costs $20,000 and produces first-year earnings of $28,139 — a 0.71x ratio that puts this squarely in the win column. The training paid for itself, and the timeline to debt freedom is measured in years, not decades.

Low-cost vocational credentials with strong earning power represent the highest-efficiency education investment available. While four-year graduates debate whether their degrees were worth it, graduates in this position are already building equity. The skilled trades shortage — projected to reach 4 million unfilled positions by 2028 — means demand-side pressure will likely push these wages even higher.

Skip refinancing — at this debt level, the administrative hassle outweighs the savings. Instead, focus on wealth building: maximize any employer 401(k) match, build a six-month emergency fund, and invest in tools or equipment that expand your service capacity. Consider whether a master-level certification or contractor’s license could double your billing rate within 2–3 years.