Analysis
Is borrowing $27,000 for a social sciences degree reasonable if first-year earnings hover around $42,500? Based on comparable programs nationwide, that debt-to-earnings ratio of 0.63 falls within manageable territory—most financial advisors suggest staying under 1.0. However, the debt figure here is estimated from national medians, while California's social sciences programs typically see lower debt loads around $17,000. That's a meaningful gap worth investigating directly with Humphreys' financial aid office, especially since 55% of students receive Pell grants, suggesting many families are stretching to afford this degree.
The estimated earnings align with California's median for social sciences bachelor's programs, which means Humphreys appears competitive on the income front despite being a smaller institution. You won't see UC Berkeley's $61,000 outcomes, but you're also not looking at the $28,900 floor that some Cal Poly SLO grads face. The challenge is that these figures are drawn from peer programs—not Humphreys' actual graduates—because the school's cohort size was too small for the Department of Education to report.
Before committing, ask Humphreys directly about actual graduate outcomes and typical debt loads for recent social sciences graduates. The estimated numbers suggest a workable financial picture, but knowing this specific program's track record—especially for a degree field where earnings vary widely by career path—will help you understand what you're really buying.
Where Humphreys University-Stockton and Modesto Campuses Stands
Earnings vs. debt across all social sciences bachelors's programs nationally
Compare to Similar Programs in California
Social Sciences bachelors's programs at peer institutions in California (10 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $14,760 | $42,556* | — | $27,000* | — | |
| $14,850 | $61,109* | $97,257 | $15,000* | 0.25 | |
| $15,247 | $45,178* | $59,076 | $12,790* | 0.28 | |
| $14,170 | $39,934* | $52,438 | $17,833* | 0.45 | |
| $11,075 | $28,931* | $41,749 | $17,000* | 0.59 | |
| National Median | — | $36,279* | — | $25,500* | 0.70 |
Career Paths
Occupations commonly associated with social sciences graduates
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 Humphreys University-Stockton and Modesto Campuses, approximately 55% 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 median of 4 similar programs in CA. Actual outcomes may vary.