Median Earnings (1yr)
$21,371
87th percentile (80th in CA)
Median Debt
$10,550
7% above national median
Debt-to-Earnings
0.49
Manageable
Sample Size
138
Adequate data

Analysis

MTI College's cosmetology program stands out sharply in California's crowded beauty school landscape. While the state median for cosmetology graduates is just $14,600, MTI graduates earn $21,371 in their first year—that's nearly 50% more. Among the 130 California schools offering this program, MTI ranks in the 80th percentile for earnings, placing it among the state's top 25 programs. Nationally, it performs even better, reaching the 87th percentile.

The financial structure makes sense for a technical credential: $10,550 in median debt translates to a debt-to-earnings ratio of 0.49, meaning graduates owe about half their first-year salary. While that's higher than some California programs that keep debt closer to $8,800, the premium appears justified by significantly better earnings outcomes. Graduates see steady income growth, with earnings climbing 7% to $22,802 by year four—a positive sign that skills learned here translate to stable career progression in salons and spas.

For families weighing beauty school options in Sacramento, MTI delivers measurably better employment outcomes than most California alternatives. The earnings premium over typical California cosmetology programs—roughly $7,000 annually—would recover the extra debt in about two years. With a robust sample of 100+ graduates backing these numbers, this represents a reliable data point rather than a statistical fluke.

Where MTI College Stands

Earnings vs. debt across all cosmetology certificate's programs nationally

MTI CollegeOther cosmetology 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 MTI College graduates compare to all programs nationally

MTI College graduates earn $21k, placing them in the 87th percentile of all cosmetology certificate 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

Cosmetology certificate's programs at peer institutions in California (130 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
MTI College$21,371$22,802$10,5500.49
The Salon Professional Academy-San Jose$24,660$24,953$10,3760.42
San Jose City College$23,253———
Institute of Technology$21,184—$13,3410.63
Shasta School of Cosmetology$20,144———
California College of Barbering and Cosmetology$20,065—$9,3440.47
National Median$17,113—$9,8620.58

Other Cosmetology Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
The Salon Professional Academy-San Jose
San Jose
—$24,660$10,376
San Jose City College
San Jose
$1,366$23,253—
Institute of Technology
Clovis
—$21,184$13,341
Shasta School of Cosmetology
Redding
—$20,144—
California College of Barbering and Cosmetology
Stockton
—$20,065$9,344

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 MTI College, approximately 41% 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 138 graduates with reported earnings and 157 graduates with debt data. Small samples may not be representative.