Median Earnings (1yr)
$25,832
46th percentile (60th in CA)
Median Debt
$6,757
40% below national median
Debt-to-Earnings
0.26
Manageable
Sample Size
22
Limited data

Analysis

Modesto Junior College's psychology associate's graduates face a rough first year—earning just $25,832—but manage meaningful income growth to $32,227 by year four. That 25% jump matters, though the small cohort (under 30 graduates) makes it hard to know if this pattern will hold for future students.

The good news? Graduates leave with just $6,757 in debt, well below both California's median ($7,387) and the national figure ($11,198). That means even with modest first-year earnings, the debt burden stays manageable at 26% of initial income—a ratio that shouldn't derail other financial goals. Within California, this program actually outperforms the state median, landing in the 60th percentile despite being in a region with relatively affordable living costs.

The real limitation here is the associate's itself. Psychology typically requires at least a bachelor's for meaningful career advancement, so these numbers likely reflect graduates working in general administrative or service roles while potentially continuing their education. If your child plans to transfer to a four-year program, Modesto Junior College offers an affordable launching pad with minimal debt. But if they're hoping the associate's alone will open psychology-specific career doors, that's unlikely—regardless of which California community college they choose.

Where Modesto Junior College Stands

Earnings vs. debt across all psychology associates's programs nationally

Modesto Junior CollegeOther psychology programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Modesto Junior College graduates compare to all programs nationally

Modesto Junior College graduates earn $26k, placing them in the 46th percentile of all psychology associates programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in California

Psychology associates's programs at peer institutions in California (113 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Modesto Junior College$25,832$32,227$6,7570.26
Merced College$34,441$29,978$6,8490.20
Fresno City College$27,421$30,921$7,8020.28
San Diego Mesa College$26,229$29,319$7,5970.29
College of the Desert$25,792$28,739$5,5000.21
Pasadena City College$24,894$34,262$12,0000.48
National Median$26,232—$11,1980.43

Other Psychology Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
Merced College
Merced
$1,194$34,441$6,849
Fresno City College
Fresno
$1,334$27,421$7,802
San Diego Mesa College
San Diego
$1,150$26,229$7,597
College of the Desert
Palm Desert
$1,326$25,792$5,500
Pasadena City College
Pasadena
$1,180$24,894$12,000

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.

Sample Size: Based on 22 graduates with reported earnings and 25 graduates with debt data. Small samples may not be representative.