Analysis
The estimated $11,000 in debt for this associate's degree—lower than the national benchmark—appears manageable, but the earnings trajectory raises questions. First-year earnings around $36,600 based on national comparables seem reasonable for an entry-level business degree. What's harder to explain is the drop to $28,879 four years out, which runs counter to typical career progression. This could reflect Eureka's rural economy rather than the program itself, but without actual graduate data from College of the Redwoods, it's difficult to know whether local students are finding steady footing in regional businesses or facing limited advancement opportunities.
The 0.30 debt-to-earnings ratio suggests this program shouldn't create financial hardship, especially compared to pricier alternatives. With one-third of students qualifying for Pell grants, the relatively low estimated debt burden matters for families watching every dollar. However, the disconnect between initial and mid-career earnings—something we see in the reported data rather than estimates—deserves attention. Parents should investigate what types of employers typically hire from this program and whether graduates tend to stay in the rural North Coast region, where job markets differ substantially from California's urban centers.
Given the complete reliance on estimated figures here, visit the program directly to ask about actual placement rates and starting positions. The financial picture looks survivable, but you're making decisions with limited visibility into this specific program's track record.
Where College of the Redwoods Stands
Earnings vs. debt across all business/commerce associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| College of the Redwoods | — | $28,879 | — |
| Thomas More University | $83,571 | $68,202 | -18% |
| Indiana Wesleyan University-Marion | $49,463 | $54,966 | +11% |
| Indiana Wesleyan University-National & Global | $49,463 | $54,966 | +11% |
| Victor Valley College | $26,272 | $36,492 | +39% |
Compare to Similar Programs in California
Business/Commerce associates's programs at peer institutions in California (78 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,147 | $36,591* | $28,879 | $11,000* | — | |
| $17,488 | $43,716* | — | $30,444* | 0.70 | |
| $1,425 | $26,272* | $36,492 | $5,250* | 0.20 | |
| National Median | — | $36,591* | — | $13,437* | 0.37 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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 College of the Redwoods, approximately 33% 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 124 similar programs. Actual outcomes may vary.