Analysis
A debt-to-earnings ratio of 0.44—roughly $19,000 borrowed for a credential that peer programs suggest leads to around $44,000 in first-year earnings—positions this certificate at a manageable level of financial risk. In Texas, computer programming certificates typically produce first-year earnings around $40,000, so San Antonio College's estimated outcome sits slightly above the state median, though well below the national 75th percentile of just over $60,000.
The estimated debt load here matches the Texas state median but runs about $5,000 higher than the national benchmark for this type of program. That difference matters for a short-term credential designed to get students earning quickly. With 34% of students receiving Pell grants, many enrollees likely need this certificate to translate into immediate income, and the debt-to-earnings picture suggests workable repayment in most cases—though families should verify exactly what this program prepares graduates to do versus longer degree pathways.
The real question is whether this certificate delivers the specific skills employers in San Antonio's tech sector actually hire for. At this estimated earnings level and debt load, the program makes financial sense if it's truly job-ready training, but would represent a weak investment if it's primarily an academic stepping stone requiring further education to become employable.
Where San Antonio College Stands
Earnings vs. debt across all computer programming certificate's programs nationally
Compare to Similar Programs in Texas
Computer Programming certificate's programs at peer institutions in Texas (26 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $3,412 | $43,727* | — | $19,107* | — | |
| $2,370 | $43,727* | $48,595 | $19,107* | 0.44 | |
| $2,136 | $37,250* | — | $11,884* | 0.32 | |
| National Median | — | $43,727* | — | $14,340* | 0.33 |
Career Paths
Occupations commonly associated with computer programming graduates
Software Developers
Software Quality Assurance Analysts and Testers
Computer Programmers
Web Developers
Web and Digital Interface Designers
Video Game Designers
Computer Science Teachers, Postsecondary
Computer Network Support Specialists
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 San Antonio College, approximately 34% 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 5 similar programs. Actual outcomes may vary.