Human Development, Family Studies, at Modesto Junior College

These numbers tell a concerning story, but the small sample size—fewer than 30 graduates—means they might not reflect typical outcomes. The certificate leads to earnings of just $15,819 in the first year and $18,330 by year four, placing this program in the bottom quarter both nationally (21st percentile) and among California's 112 similar programs (25th percentile). At these income levels, even the relatively modest $9,136 in debt becomes a meaningful burden—graduates earn barely above minimum wage full-time work.

The gap with top California programs is substantial: Santa Ana College graduates in this field earn $23,863, nearly $5,500 more annually than Modesto JC graduates four years out. Given that community college certificates are often stepping stones to further education or career advancement, these earnings suggest the credential may not be opening doors as effectively as alternatives. The debt is manageable in absolute terms, but when you're earning $18,330, every dollar of student loan payment matters.

For parents, the key question is whether this certificate is part of a larger educational plan. If it's meant to lead to a bachelor's degree or specialized licensure, it might serve that purpose. As a standalone credential meant to boost earnings quickly, these numbers suggest looking at other programs or other schools entirely.