Analysis
A debt-to-earnings ratio of 0.35 suggests this program should be manageable financially, though the complete picture remains unclear. Based on national benchmarks from similar associate-level computer science programs, graduates typically start around $35,800βa figure that puts Modesto Junior College in line with the national median but well below California's typical $44,700. That gap matters in a state where tech salaries run higher but so does the cost of living.
The estimated $12,500 debt load sits below both national and state medians for these programs, which is encouraging for a community college pathway. However, the broader context shows considerable variation: some California programs report first-year earnings of $44,700, nearly $9,000 more than what comparable programs nationally suggest for MJC graduates. Whether this reflects differences in curriculum, connections to local employers, or the types of tech roles graduates pursue isn't clear from the limited data.
For parents weighing this investment, the math works on paperβgraduates would need to dedicate about four months of gross earnings to clear the debt. But before committing, ask the college directly about job placement rates, which employers hire their graduates, and whether most students transfer to four-year programs versus entering the workforce immediately. An associate's in computer science can be either a launching pad or a credential with limited ceiling, depending heavily on local demand and the program's industry connections.
Where Modesto Junior 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)
Scroll to see more β
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,270 | $35,761* | β | $12,500* | β | |
| β | $44,653* | β | $19,300* | 0.43 | |
| National Median | β | $35,760* | β | $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 Modesto Junior College, approximately 26% 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.