Business Administration, Management and Operations at California State University-Channel Islands

Cal State Channel Islands' business program offers an unusual value proposition: exceptionally low debt paired with mediocre earnings. With graduates carrying just $15,888 in debt—far below both the national median of $26,000 and California's $21,000—students avoid the debt burden that plagues many business programs. However, first-year earnings of $47,581 fall short of California's median for business programs ($49,543), placing this program in the 40th percentile statewide.

The debt advantage becomes clearer when you consider the bigger picture. While top California programs like UC Berkeley ($90,008) and Cal Poly SLO ($71,876) generate much higher earnings, they likely come with significantly higher costs. Channel Islands graduates enter the workforce with minimal debt burden and see solid 17% earnings growth over four years, reaching $55,621 by year four. The debt-to-earnings ratio of 0.33 is quite manageable—graduates can theoretically pay off their loans in about four months of gross income.

For families prioritizing affordability over prestige, this program delivers reasonable outcomes without financial strain. The 93% admission rate and 47% Pell grant recipients suggest an accessible pathway to a business degree. While your child won't command top-tier salaries immediately, they'll graduate with minimal debt and steady earning potential—a sensible foundation for building wealth over time.