Computer and Information Sciences at San Diego Miramar College

An estimated debt load of $12,500 positions this two-year tech program as one of California's more affordable entry points into IT—though the projected first-year earnings of $35,761 fall notably short of what similar associate's programs across the state typically produce. Peer programs in California show median earnings closer to $44,653, suggesting that San Diego's competitive tech market may demand additional credentials or experience to access higher-paying roles.

The 0.35 debt-to-earnings ratio looks manageable on paper, but context matters here. While the estimated borrowing is reasonable for an associate's degree, comparable programs in California carry higher debt (median $24,400) precisely because they're preparing graduates for better-paying positions right out of the gate. The gap between this program's projected outcomes and state benchmarks raises questions about whether graduates are landing the kinds of roles that justify even modest educational debt, or whether they're entering the field at support-desk positions that might not require formal credentials.

For families viewing this as a direct path to employment, the uncertainty cuts both ways. The low estimated debt provides a safety net if outcomes disappoint, but the earnings projection suggests you're not buying immediate access to California's lucrative tech sector. This works as a low-risk exploration of IT careers or a stepping stone toward further education, but families counting on the associate's degree alone to launch a tech career should investigate local employer partnerships and job placement outcomes carefully.