Applied Mathematics at Azusa Pacific University

Based on comparable Applied Mathematics programs in California, first-year earnings around $57,000 paired with estimated debt of $25,000 creates a manageable 0.45 debt-to-earnings ratio—well within reasonable territory for a STEM degree. However, this figure sits at the California median while debt runs nearly $10,000 above what typical California programs produce. That gap matters when you're paying an additional 10-15% of your annual earnings toward loans that peer programs avoided.

The national picture provides useful context: Applied Mathematics graduates typically earn $61,000 in their first year nationally, and the degree generally delivers strong returns across institutions. Top California programs like UC Berkeley and USC place graduates around $72,000, though those schools serve different student populations. What's harder to assess here is whether Azusa Pacific's private school premium—reflected in that higher debt load—translates into career advantages that justify the additional borrowing when comparable state programs exist.

For families weighing this investment, the core math degree appears solid, but the estimated debt burden suggests shopping carefully. If your student has admission offers from UC system schools or Cal State programs with lower debt profiles, those alternatives deserve serious consideration. The earnings potential exists, but you're likely paying more to access it here than at peer institutions.