Median Earnings (1yr)
$45,439
38th percentile (40th in CA)
Median Debt
$31,000
19% above national median
Debt-to-Earnings
0.68
Manageable
Sample Size
31
Adequate data

Analysis

Pacific Union College's business program produces graduates who start near the middle of the pack—just below California's median of $47,000—but what's worrying is the trajectory. Earnings actually decline slightly from year one to year four, settling around $44,300. While the starting debt of $31,000 is manageable at 0.68 times first-year income, graduates need to understand they're paying for a credential that ranks in the 40th percentile statewide. When California programs like University of Redlands show graduates earning $72,000 and even mid-tier alternatives like California Baptist hit $51,000, the value gap becomes stark.

The program does have one advantage: students carry less debt than typical California business grads ($28,600 median). But that savings doesn't offset the earnings disadvantage. A Pacific Union business graduate starts about $5,000 behind California's median and that gap doesn't close over time. For families considering the Seventh-day Adventist environment and smaller campus (33% of students receive Pell grants), this may align with other values. But purely as a financial investment, you're getting below-average California outcomes at a moderately selective school.

If your child is committed to this institution for community or religious reasons, understand the tradeoff clearly: you're choosing campus culture over earning potential. For families prioritizing return on investment, exploring California State schools or even online programs from better-ranked institutions would likely deliver stronger financial outcomes.

Where Pacific Union College Stands

Earnings vs. debt across all business/commerce bachelors's programs nationally

Pacific Union CollegeOther business/commerce 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 Pacific Union College graduates compare to all programs nationally

Pacific Union College graduates earn $45k, placing them in the 38th percentile of all business/commerce bachelors 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

Business/Commerce bachelors's programs at peer institutions in California (15 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Pacific Union College$45,439$44,307$31,0000.68
University of Redlands$72,664$69,853$37,5000.52
DeVry University-California$57,020$56,664$47,2360.83
California Baptist University$51,146$63,415$28,6190.56
Saint Mary's College of California$46,958$84,175$24,0000.51
California State University-San Marcos$46,958$62,177$22,8750.49
National Median$47,506$26,0000.55

Other Business/Commerce Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Redlands
Redlands
$57,614$72,664$37,500
DeVry University-California
Ontario
$17,488$57,020$47,236
California Baptist University
Riverside
$39,720$51,146$28,619
Saint Mary's College of California
Moraga
$56,134$46,958$24,000
California State University-San Marcos
San Marcos
$7,739$46,958$22,875

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 Pacific Union College, approximately 33% 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 31 graduates with reported earnings and 35 graduates with debt data. Small samples may not be representative.