8.5%
Debt-to-earnings
Debt-to-earnings ratio of 8.5% at Humphreys University-Stockton and Modesto Campuses exceeds the 8% gainful-employment threshold ($25.0k debt amortized over 10 years vs $39.2k earnings).
California · Private nonprofit · Predominantly bachelor's
Humphreys University-Stockton and Modesto Campuses
Stockton, California. 178 undergraduate students. 22 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Humphreys University-Stockton and Modesto Campuses
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+39%
Median federal debt at exit
Median federal debt at exit at Humphreys University-Stockton and Modesto Campuses rose 39% between 2007 and 2010 ($6.8k → $9.5k).
-33%
100%-time completion
100%-time completion at Humphreys University-Stockton and Modesto Campuses fell 33% between 2021 and 2024 (100.0% → 66.7%).
-15%
150%-time completion
150%-time completion at Humphreys University-Stockton and Modesto Campuses fell 15% between 2021 and 2024 (72.2% → 61.5%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. California
Each tile compares this institution to the California median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$39,248-3% · 6→10y
California median $42,588$40,569
Treasury earnings · 6y post-entry50.0%+134% · '00→'24
California median 61.3%$25,000+68% · '97→'10
At program completion178+438% · '96→'10
latest IPEDS100.0%-22% · '04→'10
first-time, full-time—
latest cohort$14,760+42% · '00→'10
out-of-state $14,760SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
8.5%Median federal debt $25,000 amortized over 10 years vs. median earnings $39,248 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+134%
Humphreys University-Stockton and Modesto Campuses · completion · 150% rose
26.3% → 61.5%
+340%
Humphreys University-Stockton and Modesto Campuses · completion · 100% rose
15.2% → 66.7%
-22%
Humphreys University-Stockton and Modesto Campuses · retention fell
68.0% → 52.8%
+289%
Humphreys University-Stockton and Modesto Campuses · undergrad enrollment rose
132 → 710
+42%
Humphreys University-Stockton and Modesto Campuses · in-state tuition rose
$7,140 → $10,134
+89%
Humphreys University-Stockton and Modesto Campuses · out-of-state tuition rose
$7,140 → $13,500
+68%
Humphreys University-Stockton and Modesto Campuses · median debt rose
$5,641 → $9,500
-100%
Humphreys University-Stockton and Modesto Campuses · cohort default rate fell
15.6% → 0.0%
+34%
Humphreys University-Stockton and Modesto Campuses · earnings_median_8yr rose
$28,900 → $38,746
+48%
Humphreys University-Stockton and Modesto Campuses · earnings_median_6yr rose
$27,500 → $40,569
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
SECTION 06 · BY CIP FAMILY
4 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
EDUCATION · CIP 13
LEGAL PROFESSIONS · CIP 22
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in California
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Humphreys University-Stockton and Modesto Campuses graduates earn $X” — not “Humphreys University-Stockton and Modesto Campuses makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Humphreys University-Stockton and Modesto Campuses caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.