Analysis
A debt-to-earnings ratio of 0.35 signals manageable risk, but the gap between estimated earnings and California's competitive landscape warrants serious attention. While comparable associate programs nationally suggest first-year earnings around $36,000, that figure falls well below the $44,653 median for California tech programs—a difference of nearly $9,000 annually that compounds significantly over a career. The $12,500 in estimated debt is relatively modest and could be paid down within reasonable timeframes at national earnings levels, but at California wages, this program should be clearing that debt threshold even faster.
The real question is opportunity cost. California's tech sector commands premium salaries, and if Chaffey's graduates aren't achieving outcomes closer to state norms, families need to understand why. It could be that many students transfer to four-year programs (making the associate degree an intentional stepping stone), or perhaps local employment patterns differ from the state average. Without reported data specific to this program, you're flying somewhat blind. Before committing, talk directly with the department about their graduates' actual outcomes—where they work, what they earn, how many continue their education. If those conversations reveal that completers consistently land jobs paying closer to California norms or successfully transfer with credits intact, the modest debt makes this a reasonable foundation. If not, explore community colleges with stronger track records in placement data.
Where Chaffey College Stands
Earnings vs. debt across all computer and information sciences associates's programs nationally
Compare to Similar Programs in California
Computer and Information Sciences associates's programs at peer institutions in California (93 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,184 | $35,761* | — | $12,500* | — | |
| — | $44,653* | — | $19,300* | 0.43 | |
| National Median | — | $35,760* | — | $14,932* | 0.42 |
Career Paths
Occupations commonly associated with computer and information sciences graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Software Quality Assurance Analysts and Testers
Computer Network Architects
Telecommunications Engineering Specialists
Information Security Analysts
Database Administrators
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
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 Chaffey College, approximately 28% 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 80 similar programs. Actual outcomes may vary.