Analysis
A debt-to-earnings ratio of 0.35 suggests reasonable affordability, but the earnings picture here deserves scrutiny. Peer programs at California associate-granting institutions typically produce first-year earnings around $44,600โabout $9,000 higher than what graduates of similar national programs see. That gap matters considerably when you're launching a tech career in one of the country's most expensive states. While tech salaries generally climb faster than most fields, starting at $35,700 in Southern California means years of roommates and budgeting before reaching financial stability.
The estimated $12,500 debt load sits well below both California's typical $24,400 for this degree and the national median of about $15,000. That's a genuine advantage, particularly for a community college pathway. However, MiraCosta's status as a coastal California institution creates a tension: the cost of living in Oceanside will quickly overwhelm any savings from lower debt if earnings track closer to national rather than state averages.
The bottom line: verify actual outcomes with MiraCosta's career services before committing. If their graduates find work locally at California wages, this represents solid value. If they're earning closer to the national baseline, your child may need to relocate or pursue additional credentials to make the numbers work in this expensive market.
Where MiraCosta 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 |
|---|---|---|---|---|---|
| $1,152 | $35,761* | โ | $12,500* | โ | |
| โ | $44,653* | โ | $19,300* | 0.43 | |
| National Median | โ | $35,760* | โ | $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 MiraCosta College, approximately 27% 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.