Analysis
Community college accounting programs in California typically deliver solid returns, and Chabot's estimated numbers suggest it follows that pattern. With first-year earnings around $37,000—close to both state and national medians—and projected debt under $16,000, graduates from similar programs face a manageable financial picture. That 0.43 debt-to-earnings ratio means students would owe less than half their first-year salary, well below the threshold where debt becomes burdensome.
The Bay Area context matters here. While $37,000 represents typical starting pay for associate-level accounting work nationally, Hayward's cost of living could make this salary stretch differently than it would elsewhere. Still, accounting offers clear career progression—many graduates continue toward bachelor's degrees or certifications like CPA licensure while working, using this associate's degree as an affordable entry point. The relatively low Pell grant percentage (18%) suggests most students can manage costs without heavy federal aid reliance.
For a family weighing this investment, the fundamentals look sound based on peer program outcomes. Accounting skills translate directly to employment, debt load appears reasonable, and California's robust economy provides multiple pathways forward. The key question is whether your student plans to work immediately after graduation or continue their education—both options work with this foundation, but the timeline affects how quickly you'll see the return.
Where Chabot College Stands
Earnings vs. debt across all accounting associates's programs nationally
Compare to Similar Programs in California
Accounting associates's programs at peer institutions in California (110 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,150 | $37,001* | — | $15,979* | — | |
| — | $41,351* | — | $17,375* | 0.42 | |
| $1,364 | $34,604* | — | —* | — | |
| National Median | — | $37,000* | — | $19,354* | 0.52 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Chabot College, approximately 18% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 118 similar programs. Actual outcomes may vary.