+65%
Median federal debt at exit
Median federal debt at exit at Southern California Seminary rose 65% between 2007 and 2010 ($6.6k → $10.9k).
California · Private nonprofit · Predominantly bachelor's
Southern California Seminary
El Cajon, California. 30 undergraduate students. 12 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Southern California Seminary
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.
-100%
3-year cohort default rate
3-year cohort default rate at Southern California Seminary fell 100% between 2021 and 2024 (2.1% → 0.0%).
+17%
In-state tuition
In-state tuition at Southern California Seminary rose 17% between 2007 and 2010 ($10.7k → $12.6k).
-8%
Earnings trend · post-entry horizons
Earnings 10 years post-entry at Southern California Seminary are 8% below 6-year earnings ($43.0k → $39.6k).
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.
$39,607-8% · 6→10y
California median $42,588$43,014
Treasury earnings · 6y post-entry—
California median 61.3%$12,034+174% · '02→'10
At program completion30-21% · '99→'10
latest IPEDS—+67% · '04→'10
first-time, full-time—-25% · '01→'06
latest cohort$18,720+178% · '01→'10
out-of-state $18,720SECTION 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
4.0%Median federal debt $12,034 amortized over 10 years vs. median earnings $39,607 (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.
+1000%
Southern California Seminary · completion · 150% rose
0.0% → 50.0%
+67%
Southern California Seminary · retention rose
60.0% → 100.0%
+178%
Southern California Seminary · in-state tuition rose
$4,515 → $12,552
+323%
Southern California Seminary · out-of-state tuition rose
$4,515 → $19,080
+174%
Southern California Seminary · median debt rose
$4,000 → $10,949
-100%
Southern California Seminary · cohort default rate fell
6.2% → 0.0%
-46%
Southern California Seminary · pell share fell
40.3% → 21.7%
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
“Southern California Seminary graduates earn $X” — not “Southern California Seminary makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Southern California Seminary 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.