Analysis
A debt-to-earnings ratio of 0.32 suggests manageable financial risk, even if these figures come from comparable programs nationally rather than Modesto Junior College's own graduates. Similar associate's programs in computer science typically produce first-year earnings around $39,000, with students carrying roughly $12,500 in debt—numbers that translate to about three months of gross income to cover what was borrowed. For a two-year credential, that's a reasonable starting point.
The challenge is context. California's tech sector offers unusually strong opportunities, but we can't confirm whether Modesto Junior College's graduates capture those advantages or whether the national median reflects a more modest reality. With 80 programs across the state and none publishing outcome data we can verify, it's impossible to know if this particular pathway leads to Bay Area entry-level positions or something closer to local IT support work. The earnings estimate doesn't distinguish between those very different trajectories.
For families weighing this investment, the fundamentals look sound based on peer programs, but the lack of school-specific data means you're betting on potential rather than proven results. If your student can complete the degree with minimal borrowing and has a clear plan for leveraging it—whether that's transfer to a four-year program or immediate employment—the financial foundation appears solid enough to justify the risk.
Where Modesto Junior College Stands
Earnings vs. debt across all computer science associates's programs nationally
Compare to Similar Programs Nationally
Computer Science associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,270 | $39,118* | — | $12,458* | — | |
| $6,391 | $79,044* | $83,812 | $15,254* | 0.19 | |
| $5,703 | $48,889* | $81,847 | $13,000* | 0.27 | |
| $8,280 | $47,904* | — | $22,519* | 0.47 | |
| $5,520 | $30,332* | — | $9,000* | 0.30 | |
| $5,218 | $24,888* | $46,054 | $8,750* | 0.35 | |
| National Median | — | $39,118* | — | $12,458* | 0.32 |
Career Paths
Occupations commonly associated with computer science graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Software Quality Assurance Analysts and Testers
Information Security Analysts
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Computer Programmers
Web Developers
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 6 similar programs. Actual outcomes may vary.