Analysis
Similar mathematics programs in California suggest first-year earnings around $38,000—a figure that lags $10,000 behind the national median for math majors and falls well short of what California's top programs deliver. The estimated $21,750 in debt, while close to national norms, takes on different weight when paired with these more modest earnings, resulting in a debt burden that equals more than half a year's income.
The challenge here isn't just the debt-to-earnings ratio of 0.57. It's that mathematics graduates typically have options—teaching, actuarial work, data analysis, tech roles—but starting near $38,000 closes some of those doors. UC campuses and Cal Poly place their math majors 20-40% higher in first-year earnings, and even public universities like Cal State Long Beach typically exceed this range. For a private Christian university charging tuition that generates over $20,000 in debt, the math major faces particularly tough competition from stronger-performing programs across California.
The practical reality: if your child is drawn to Master's University for its faith-based environment and smaller community, understand they'll likely be earning considerably less than their peers from larger California schools. That gap might matter less for someone planning graduate school or prioritizing mission work, but for a student expecting their bachelor's degree to launch a career, the financial picture demands careful comparison with more affordable state schools.
Where The Master's University and Seminary Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Compare to Similar Programs in California
Mathematics bachelors's programs at peer institutions in California (67 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $36,930 | $38,449* | — | $21,750* | — | |
| $11,075 | $53,136* | $65,655 | $16,718* | 0.31 | |
| $15,265 | $52,339* | $56,452 | $16,250* | 0.31 | |
| $62,326 | $50,712* | — | —* | — | |
| $14,850 | $46,674* | — | $20,500* | 0.44 | |
| $14,965 | $46,447* | $64,574 | $17,000* | 0.37 | |
| National Median | — | $48,772* | — | $21,500* | 0.44 |
Career Paths
Occupations commonly associated with mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
Mathematical Science Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
Mathematical Science Occupations, All Other
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.
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 median of 23 similar programs in CA. Actual outcomes may vary.