Analysis
A 0.35 debt-to-earnings ratio based on comparable programs suggests Palomar's computer science associate's could work financially, though the estimated first-year earnings of $35,761 fall notably short of what similar programs in California typically deliver. Across the state, computer science associate's graduates earn a median of $44,653—nearly $9,000 more than peer programs nationally suggest for Palomar. That gap matters when you're starting a tech career in one of the country's most expensive regions.
The estimated $12,500 in debt sits below both state and national medians, which helps offset the lower earnings picture. At roughly a third of estimated first-year income, this debt load should remain manageable even if your child needs time to work up to California's typical salary levels. Community colleges often serve as stepping stones—students use the associate's to enter the workforce while potentially continuing toward a bachelor's later.
The wildcard here is that both figures are estimates derived from peer institutions since Palomar's graduate cohort was too small to report. Your child might reasonably exceed these projections, particularly given San Diego County's robust tech sector, or they might face the challenges these estimates reflect. For a community college program with relatively low debt, it's a defensible entry point into tech—just understand you're banking on outcomes that could vary significantly from what similar programs have produced.
Where Palomar College Stands
Earnings vs. debt across all computer and information sciences associates's programs nationally
Compare to Similar Programs in California
Computer and Information Sciences associates's programs at peer institutions in California (93 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,354 | $35,761* | — | $12,500* | — | |
| — | $44,653* | — | $19,300* | 0.43 | |
| National Median | — | $35,760* | — | $14,932* | 0.42 |
Career Paths
Occupations commonly associated with computer and information sciences graduates
Computer and Information Systems Managers
Computer and Information Research Scientists
Software Developers
Software Quality Assurance Analysts and Testers
Computer Network Architects
Telecommunications Engineering Specialists
Information Security Analysts
Database Administrators
Database Architects
Data Warehousing Specialists
Data Scientists
Business Intelligence Analysts
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 Palomar College, approximately 17% 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 80 similar programs. Actual outcomes may vary.