Business/Commerce at Saint Mary's College of California
Bachelor's Degree
Analysis
Saint Mary's College business graduates start at nearly identical earnings to both national and state medians ($46,958), but the program's real strength reveals itself over time: earnings jump 79% to $84,175 by year four, far outpacing typical business degree growth. At $24,000 in debt—roughly $4,600 below California's median for business programs—students here graduate with meaningfully less financial burden than peers across the state.
This earnings trajectory matters because it suggests Saint Mary's graduates secure positions with genuine advancement potential rather than hitting early career plateaus. While the program ranks in the 60th percentile among California business schools for initial earnings (middle of the pack), that four-year number puts it in a different category entirely. The debt-to-earnings ratio of 0.51 means your child would owe roughly half their first year's salary, which is manageable given the upward earnings curve.
The tradeoff is clear: you're not paying for immediate top-tier starting salaries like University of Redlands delivers. Instead, you're investing in a program that positions graduates for substantial income growth. For families prioritizing both moderate debt loads and strong medium-term earning potential over flashy first-year numbers, Saint Mary's offers a compelling value proposition in California's competitive business education landscape.
Where Saint Mary's College of California Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
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 Saint Mary's College of California graduates compare to all programs nationally
Saint Mary's College of California graduates earn $47k, placing them in the 47th 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)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Saint Mary's College of California | $46,958 | $84,175 | $24,000 | 0.51 |
| University of Redlands | $72,664 | $69,853 | $37,500 | 0.52 |
| DeVry University-California | $57,020 | $56,664 | $47,236 | 0.83 |
| California Baptist University | $51,146 | $63,415 | $28,619 | 0.56 |
| California State University-San Marcos | $46,958 | $62,177 | $22,875 | 0.49 |
| Biola University | $46,300 | $59,432 | $23,875 | 0.52 |
| National Median | $47,506 | — | $26,000 | 0.55 |
Other Business/Commerce Programs in California
Compare tuition, earnings, and debt across California schools
| School | In-State Tuition | Earnings (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 |
| California State University-San Marcos San Marcos | $7,739 | $46,958 | $22,875 |
| Biola University La Mirada | $46,704 | $46,300 | $23,875 |
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 Saint Mary's College of California, approximately 24% 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 141 graduates with reported earnings and 175 graduates with debt data. Small samples may not be representative.