Accounting at Humphreys University-Stockton and Modesto Campuses

An associate's in accounting typically launches graduates into steady, if modest, entry-level work—but the debt picture here needs scrutiny. While comparable programs nationally suggest first-year earnings around $37,000, Humphreys' estimated debt load of $26,291 stands noticeably higher than both the California median ($17,375) and national median ($19,354) for similar programs. That's roughly $7,000-9,000 more debt than peer programs typically carry, which matters when you're starting at clerical or bookkeeping wages rather than professional accountant salaries.

The debt-to-earnings ratio of 0.71 isn't catastrophic—many borrowers manage that burden—but it reflects less favorable financing than what students at California's community colleges achieve for the same credential. Mt. San Antonio College, for instance, produces similar outcomes with far less debt exposure. With 55% of Humphreys students receiving Pell grants, affordability matters acutely here. If your child can access a comparable program with lower borrowing requirements, that's the financially safer path. If Humphreys offers specific advantages—location, scheduling, support services—calculate whether those benefits justify carrying an extra $7,000-9,000 in loans for a credential that leads to similar starting wages across institutions.