Median Earnings (1yr)
$18,621
5th percentile (10th in CA)
Median Debt
$14,750
45% below national median
Debt-to-Earnings
0.79
Manageable
Sample Size
16
Limited data

Analysis

These numbers come with a major asterisk—the sample size is under 30 graduates—but they reveal a worrying pattern for a California liberal arts program. That first-year earning figure of $18,621 places Master's University in the bottom 10% of all liberal arts programs statewide, where the typical graduate earns $31,802. Even after strong growth to $43,455 by year four, graduates still trail both state and national benchmarks. The relatively modest debt load of $14,750 offers some cushion, but it doesn't offset starting at barely above minimum wage earnings.

The trajectory tells two stories. On one hand, earnings more than double over four years, suggesting graduates eventually find better opportunities. On the other hand, that initial year appears to be spent in jobs that don't require a degree at all—a tough position when you're carrying any debt. The low Pell grant percentage (19%) hints this may attract students from families who can weather that rocky start, but that's cold comfort for those who can't.

For families considering this program, understand you're likely looking at a year or more of minimal earnings post-graduation. If your student has financial support during that transition period and a clear plan for career development, the eventual earnings become more reasonable. But if they need immediate income to service debt or support themselves, this program's early employment outcomes should give you serious pause about its return on investment.

Where The Master's University and Seminary Stands

Earnings vs. debt across all liberal arts and sciences, general studies and humanities bachelors's programs nationally

The Master's University and SeminaryOther liberal arts and sciences, general studies and humanities 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 The Master's University and Seminary graduates compare to all programs nationally

The Master's University and Seminary graduates earn $19k, placing them in the 5th percentile of all liberal arts and sciences, general studies and humanities 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

Liberal Arts and Sciences, General Studies and Humanities bachelors's programs at peer institutions in California (80 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
The Master's University and Seminary$18,621$43,455$14,7500.79
National University$57,429—$35,4260.62
Saint Mary's College of California$56,094$53,489$27,0000.48
Ashford University$49,010$46,413$31,5000.64
Antioch University-Los Angeles$46,487$44,094$29,8320.64
Antioch University-Santa Barbara$46,487$44,094$29,8320.64
National Median$36,340—$27,0000.74

Other Liberal Arts and Sciences, General Studies and Humanities Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
National University
San Diego
$13,320$57,429$35,426
Saint Mary's College of California
Moraga
$56,134$56,094$27,000
Ashford University
San Diego
$13,160$49,010$31,500
Antioch University-Los Angeles
Culver City
—$46,487$29,832
Antioch University-Santa Barbara
Santa Barbara
—$46,487$29,832

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 The Master's University and Seminary, approximately 19% 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 16 graduates with reported earnings and 31 graduates with debt data. Small samples may not be representative.