Computer and Information Sciences at Camden County College

A debt-to-earnings ratio of 0.32 suggests this certificate could be manageable financially, though the modest first-year earnings deserve scrutiny. Peer programs nationally show graduates typically earning around $39,000 in their first year—not exceptional money for tech work, but reasonable given this is a short-term certificate rather than a bachelor's degree. With estimated debt around $12,400, you're looking at roughly four months' salary, which is workable if your child can land a help desk or junior technical support role quickly.

The catch is what happens next. Certificate programs in computer science often serve as stepping stones—either into entry-level IT positions for career changers, or as a foundation before pursuing further education. Similar programs across the country produce varying outcomes depending on whether graduates continue their studies or enter the workforce immediately. New Jersey's competitive tech market means your child will likely need either strong practical skills or plans to build on this credential to advance beyond junior positions.

For a student testing the waters in tech or needing credentials fast, this estimated debt load won't trap them. But understand that $39,000 represents a starting point in a field where advancement typically requires either additional education or accumulated experience. If your child plans to stop here, they'll need a clear path to building skills employers value.