Median Earnings (1yr)
$72,588
95th percentile (60th in CA)
Median Debt
$24,660
1% below national median
Debt-to-Earnings
0.34
Manageable
Sample Size
47
Adequate data

Analysis

The University of San Francisco accounting program ranks among the strongest nationally—95th percentile—but its position within California tells a more nuanced story. While graduates earn $72,588 in their first year, substantially above the national median of $53,694, they land in the middle of California's competitive accounting landscape (60th percentile). Among comparable Bay Area privates, only Santa Clara and USC place higher, though USF edges ahead of California Lutheran and nearly matches LMU despite a more accessible admissions profile.

The financial fundamentals work decisively in students' favor. A debt-to-earnings ratio of 0.34 means graduates owe roughly four months' salary—manageable territory even by accounting standards, where strong earnings typically cushion debt loads. Earnings growth to $92,299 by year four reinforces the program's value, showing graduates aren't just securing decent first jobs but building upward career momentum. That $24,660 in debt sits right at California's median, meaning USF students aren't paying a premium for access to San Francisco's finance and tech sectors.

For families weighing private school costs against career outcomes, this program delivers on the core promise: strong placement into a stable, well-compensated field without burdensome debt. The Bay Area location provides natural pipeline advantages into Big Four firms and corporate finance roles that justify the investment, particularly for students who might not reach the selectivity bar at Santa Clara or USC.

Where University of San Francisco Stands

Earnings vs. debt across all accounting bachelors's programs nationally

University of San FranciscoOther accounting 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 University of San Francisco graduates compare to all programs nationally

University of San Francisco graduates earn $73k, placing them in the 95th percentile of all accounting 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

Accounting bachelors's programs at peer institutions in California (44 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of San Francisco$72,588$92,299$24,6600.34
Santa Clara University$78,417$101,411$19,2500.25
University of Southern California$73,903$90,072$16,5000.22
California Lutheran University$72,696$75,436$21,8580.30
Menlo College$71,067$92,161$26,9550.38
Loyola Marymount University$70,960$91,902$17,0000.24
National Median$53,694—$25,0000.47

Other Accounting Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
Santa Clara University
Santa Clara
$59,241$78,417$19,250
University of Southern California
Los Angeles
$68,237$73,903$16,500
California Lutheran University
Thousand Oaks
$50,670$72,696$21,858
Menlo College
Atherton
$51,070$71,067$26,955
Loyola Marymount University
Los Angeles
$58,974$70,960$17,000

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 University of San Francisco, approximately 27% 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 47 graduates with reported earnings and 45 graduates with debt data. Small samples may not be representative.