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Business/Commerce, General at Saint Mary's College of California

Moraga, CA · Private nonprofit · Bachelor's Degree

DegreeOutlook Score (Base Case)

Optimistic

Base Case

Pessimistic

Earnings $46,958/yr (-3% vs median)

AI Risk High (46% exposed)

Job Market Very Large (832,900 openings/yr)

ROI 3.6x earnings multiple

Ranked #126 of 242 Business/Commerce, General programs

How AI Changes the Outlook

Three scenarios based on how aggressively AI disrupts the career paths available to Business/Commerce, General graduates.

	Optimistic No Disruption	Base Case Gradual AI	Pessimistic Aggressive AI
10-Year Earnings	$830K	$802K	$693K
Earnings Multiple	3.7x	3.6x	3.1x
Probability of Field Employment	49%	45%	34%
DegreeOutlook Score	64	63	58

10-Year Earnings Projection

*Year 1 uses actual reported earnings. Scenarios diverge as AI impact compounds over time.

4-Year Tuition (Sticker)

$224,536

4-Year Net Price (After Aid)

$124,792

44% less than sticker · See by income

Median Debt at Graduation

$23,250

5.9 months of Year 1 earnings

Reported Earnings (5 Year)

$95,040

102% growth from Year 1

Program Analysis

Graduates earn $46,958/yr, roughly in line with the $48,211 national median for Business/Commerce, General. The value proposition here depends on cost, not earnings.

An earnings multiple of 3.6x means ten-year projected earnings exceed tuition, but not by a dramatic margin. Returns are positive but modest.

Some AI exposure exists in Business/Commerce, General's typical career paths, with 46% of job tasks potentially affected. The pessimistic scenario still projects solid returns, with a 16% gap from the optimistic case.

With first-year pay of $46,958 far exceeding the $23,250 median debt, the payback timeline is measured in months, not years.

Ranked #126 of 242 Business/Commerce, General programs, Saint Mary's College of California falls below the median. Stronger options exist, though cost and location may compensate.

Five-year earnings of $95,040 show a 102% jump from the $46,958 starting point — strong upward trajectory suggesting real career acceleration.

About Saint Mary's College of California

Saint Mary's College of California accepts 89% of applicants — an open-access institution by design, a compact campus enrolling 2,024 students in Moraga, CA. After financial aid, the average student pays $124,792 over four years — 44% below sticker price.

See all programs and financial aid at Saint Mary's College of California →

Top Career Paths

Chief executives $206,420/yr

Sales managers $138,060/yr

Managers, all other $136,550/yr

View all 16 career paths with salary ranges and AI risk →

Compare & Explore

Business/Commerce, General at Other Schools

Other Majors at Saint Mary's College of California

Is a Trade Program a Better Fit?

For students who prefer applied learning, trade programs can deliver strong earnings with significantly less debt and shorter time to employment.

Frequently Asked Questions

What is the DegreeOutlook Score for Business/Commerce, General at Saint Mary's College of California?

This program scores 63/100 — a respectable number in isolation, but it ranks in the bottom half of Business/Commerce, General programs nationally. The field is competitive, and stronger options exist.

Will AI replace Business/Commerce, General careers?

With 46% of typical job tasks exposed to AI, this is one of the higher-risk fields. Our pessimistic scenario projects $693,376 in decade earnings vs $830,144 in the optimistic case — a meaningful gap.

Scores use College Scorecard earnings, BLS employment projections, and AI task-exposure research. See full methodology →