At $11,410/yr net price, Humphreys University-Stockton and Modesto Campuses graduates earn $39,248/yr within 10 years of enrollment, which is $5,248/yr above the median for high school graduates.
Cost vs. Outcomes
| Metric | Value |
|---|---|
| Average Net Price (per year) | $11,410 |
| Estimated 4-Year Cost | $45,640 |
| Median Earnings (10yr post-entry) | $39,248/yr |
| Earnings Premium vs. HS Diploma | +$5,248/yr |
| Estimated Break-Even | 8.7 years |
| Graduation Rate (6-year) | 50.0% |
| Median Debt at Graduation | $35,500 |
What You'll Actually Pay
Average net price by family income
| Family Income | Estimated Net Price |
|---|---|
| $48,001 - $75,000 | $2,534/yr |
| $110,001+ | $20,286/yr |
Earnings by Major
Top programs ranked by median earnings
| Program | Level | Median Earnings | Median Debt |
|---|---|---|---|
| Law. | Doctoral | $65,657 | |
| Business Administration, Management and Operations. | Bachelor | $49,527 | $37,334 |
| Legal Professions and Studies, Other. | Bachelor | $36,560 | |
| Criminal Justice and Corrections. | Bachelor | $34,420 | |
| Teacher Education and Professional Development, Specific Levels and Methods. | Bachelor | $27,126 | $38,338 |
The Risk Factor
50.0% of students at Humphreys University-Stockton and Modesto Campuses graduate within 6 years. More than half of students finish, but the dropout rate is a real factor in whether this investment pays off.
Analysis
Humphreys University-Stockton and Modesto Campuses gives you a weak financial return. Median earnings ten years out sit below what many California workers earn without a degree, and you'd carry a median debt load close to a full year's salary. That gap between what you borrow and what you make afterward is the core problem here.
Business Administration is the one program that clears a reasonable bar, paying about $49,500 a year. But it also carries the heaviest debt of the group at over $37,000, so the payoff comes with real borrowing. Everything else pays less. Legal studies and criminal justice both land in the mid-$30,000s, and teacher education is the worst deal on the page: you'd earn around $27,000 while owing more than $38,000. Borrowing more than you'll earn in a year for a teaching credential does not add up.
The specific risk here is that your debt outpaces your income no matter which major you pick, and only half of you finish. If you drop out, you keep the loans without the degree that was supposed to pay them off.
The net price tiers are where this school makes sense for some of you. If your family earns $48,000 to $75,000, you'd pay about $2,534 a year, which changes the math entirely and makes even the lower-earning programs defensible. At over $110,000 in family income, you'd pay around $20,286, and at that price the earnings numbers don't justify it.
This school fits you if you land in the lower income tiers, plan to study business, and want to stay in the Stockton-Modesto area. If your family pays near full price, or you're headed into teaching, look elsewhere.
Frequently Asked Questions
Is Humphreys University-Stockton and Modesto Campuses worth the cost?
For most students, no. Graduates earn just $39,248 ten years after enrollment, while typical debt reaches $35,500, creating a poor return on investment except for law students who earn significantly more.
What programs at Humphreys University-Stockton and Modesto Campuses have the best job prospects?
Law graduates earn $65,657 annually, making it the only program that clearly justifies the cost. Business graduates earn $49,527, which is decent but still modest given the debt load.
How much debt do Humphreys University-Stockton and Modesto Campuses graduates typically have?
Median debt is $35,500, which is problematic since most graduates earn under $40,000 annually. Only law and business graduates earn enough to comfortably manage this debt level.
What is the graduation rate at Humphreys University-Stockton and Modesto Campuses?
The graduation rate is 50%, meaning half of students who start never finish their degree. Combined with low post-graduation earnings, this makes the financial risk significant for many students.