Associate's · Modesto, California

Is Psychology, General at Modesto Junior College worth it?

Medium confidence Medium confidence: 40–99 graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back slowly: graduates typically recover the cost in about 10.5 years.

Earnings 1 year after graduating: $28,442; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $43,288; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: Not enough borrowers to report; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $16k (likely $13k – $18k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $3k a year vs high-school graduates aged 25–34 in CA; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 10.5 years (likely 5.4–20+); Bump vs net cost plus loan interest
10-year net return: −$100k (likely −$152k – −$43k); Today's dollars
20-year net return: −$34k (likely −$151k – $101k); Today's dollars
Odds of finishing (school-wide): 29%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26