Business Administration, Management and Operations at Humphreys University-Stockton and Modesto Campuses

A debt burden of $44,638 for a business degree is concerning when similar programs in California typically leave students owing around $21,000. That's more than double the state median, and it substantially undercuts what would otherwise be a solid earnings trajectory. Based on comparable programs statewide, first-year earnings of roughly $49,543 align with California's business degree average, but the debt load means graduates will face significant repayment pressure right out of the gate.

The picture improves by year four, when earnings reach $62,720—a meaningful jump that suggests the degree does build career momentum. Still, even with that growth, graduates are starting from a deeper financial hole than most of their California peers. More than half of students here receive Pell grants, indicating this serves many first-generation and lower-income families who can least afford prolonged debt repayment.

For an anxious parent, the key question is whether this specific program justifies borrowing twice what students at comparable California business schools typically take on. The earnings data is estimated from peer programs, not this school's actual outcomes, so you're making this investment decision with incomplete information about Humphreys' particular track record. If your child can access programs with similar earnings potential but substantially lower debt—and many California state universities offer exactly that—those alternatives deserve serious consideration before committing to this debt level.