Program Analysis
First-year earnings of $40,450 track close to the $41,412 national median for Teacher Education programs. This is a middle-of-the-road outcome on salary alone.
At 8.0x the cost of in-state tuition, the ten-year earnings outlook represents a strong return. Not exceptional, but meaningfully positive.
AI risk is moderate — 30% task exposure — and the 3% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $38,338 debt-to-$40,450 income ratio translates to about 11 months of earnings. Standard loan terms should handle this comfortably.
At #460 out of 679 programs, Humphreys University-Stockton and Modesto Campuses's financial outcomes for Teacher Education trail the majority of peers. The value case depends on other factors.