Humphreys University-Stockton and Modesto Campuses
Stockton, California · Private Nonprofit
ROI Score: 25/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Humphreys University earns a CampusROI score of 25 out of 100 and lands in the Below Benchmark tier. The data tells a contradictory story that is worth unpacking. The 61.5% completion rate is genuinely strong (sub-score 63), and net price is remarkably low at $5,524 per year (sticker tuition is $13,500). Four-year cost lands at just $22,096. Yet despite that low cost, median federal debt is $35,500, more than twice the four-year cost, and the debt-to-earnings ratio is 1.20 against $29,500 in six-year earnings. The reconciliation: this 149-student private nonprofit serves working adults pursuing law, business, and education credentials part-time, often over many years, and federal loan accumulation reflects time-on-program rather than tuition cost alone. The repayment rate of 42.6% is the second-weakest sub-score (4), signaling severe repayment strain among borrowers. Median earnings reach $39,248 by year ten, with the 38.2-year payback period flagging that earnings barely keep pace with debt service. The school's signature program is a state-accredited law program (the Drivon School of Law) which falls outside the undergraduate Scorecard reporting; for working adults pursuing California-bar eligibility through the law school path, the value calculation looks different than the undergraduate data captures.
How Humphreys University-Stockton and Modesto Campuses scores under our methodology
These are the College Scorecard measures that pull this school's CampusROI score down. They describe the published figures, not the quality of the education, and they are our reading of the data. Check them against your own aid offer and intended major.
- ROI Score25/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- Debt-to-earnings1.20 - Median debt is larger than one year of average earnings six years after entry (a ratio above 1.0).
- Payback period38.2 years - The median payback across the schools we score is about 12 years.
Humphreys University-Stockton and Modesto Campuses
Quick Numbers
| In-state tuition + fees | $13,500/yr |
| Out-of-state tuition + fees | $13,500/yr |
| Average net price | $5,524/yr |
| Total 4-year cost (net) | $22,096 |
| Median earnings (10yr post-entry) | $39,248 |
| Average earnings (6yr post-entry) | $29,500 |
| Median debt at graduation | $35,500 |
| Estimated monthly loan payment | $376 |
| Estimated payback period | 38.2 years |
| 6-year graduation rate | 61.5% |
| Undergraduate enrollment | 149 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $13,500/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $5,524/year, or roughly $22,096 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $6,324/year here, while families earning over $110,000 pay N/A/year.
Among graduates who borrowed, the median federal loan debt from this school is $35,500, which works out to about $376 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($29,500) and comes to 1.20, 1.0 or higher, meaning median debt is at least a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $6,324 |
| $30,001 - $48,000 | N/A |
| $48,001 - $75,000 | $4,724 |
| $75,001 - $110,000 | N/A |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 face an average net price of $6,324 per year, totaling roughly $25,300 across four years. The cost is genuinely accessible. The risk variable is debt accumulation over an extended time-to-completion: the school's $35,500 median debt suggests many students borrow well beyond four-year tuition needs.
Middle-income families ($30K-$110K)
The $48,001 to $75,000 bracket actually pays LESS at $4,724 per year than the lowest-income bracket, an inverted bracket worth flagging. The pattern likely reflects merit-based discounting at this small school combined with sample-size noise. Net price for the $30,001 to $48,000 and $75,001 to $110,000 brackets is not reported, indicating very few middle-bracket families enroll at this institution.
Higher-income families ($110K+)
Net price for the $110,001-plus bracket is not reported. The school's student body is concentrated at the lowest-income working-adult tier and largely does not draw higher-income families.
Earnings by Major
Top 4 most popular majors at Humphreys University-Stockton and Modesto Campuses with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration, Management, and Operations | $54,486 | D |
| Teacher Education | $49,080 | D |
| Criminal Justice and Corrections | $60,478 | - |
| Liberal Arts and Sciences | $49,933 | - |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Business Administration, Management, and Operations
Business is the largest program at 29 graduates per cohort. Year-one earnings are not reported but year-four earnings reach $54,486. Median debt of $44,638 is notably high (above the school median) and produces a 0.82 debt-to-earnings ratio against year-four earnings, earning a D ROI grade. The high debt likely reflects extended time-on-program for working students. Earnings reflect Central Valley business-graduate placement at $54K, modest but workable if debt is contained.
Teacher Education
Teacher Education graduates 10 students per cohort with year-one earnings of $40,450 and four-year earnings of $49,080. Median debt of $40,095 is unusually high, producing a 0.99 ratio and a D ROI grade. California public-school starting salaries should support repayment, but the debt-to-earnings ratio is a tight constraint. CalSTRS pension benefits provide durable upside not visible in the earnings data.
Criminal Justice and Corrections
Criminal Justice graduates 7 students per cohort. Year-one earnings and debt are not reported, but year-four earnings reach $60,478, the highest reported four-year earnings at the school.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 30.0% | 68.8% |
| 3-year repayment | 42.6% | 73.6% |
| 5-year repayment | 29.0% | 67.7% |
| 7-year repayment | 40.5% | 72.8% |
Completion Rate
Trends Over Time
How Humphreys University-Stockton and Modesto Campuses’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Enrollment | 149 |
| Pell Grant recipients | 52.5% |
| Avg faculty salary (monthly) | $6,868 |
Admission rate is not reported in current Scorecard data for Humphreys University, and SAT/ACT mid-ranges are not reported. The school operates with broadly accessible admissions consistent with its working-adult-and-law-school mission. Most undergraduate students enter on rolling admission, often in non-traditional or transfer status.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Humphreys' notably high debt accumulation despite low net price stands out and reflects its working-adult time-on-program patterns.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Humphreys University-Stockton and Modesto Campuses (this school) | 25 | $5,524 | $39,248 |
| Azusa Pacific University | 71 | $22,212 | $66,677 |
| Art Center College of Design | 56 | $48,661 | $71,958 |
| Manhattan Christian College | 29 | $24,213 | $48,860 |
| Kuyper College | 25 | $15,644 | $41,066 |
| Universidad Pentecostal Mizpa | 17 | $6,440 | $21,410 |
Who Thrives Here
Humphreys serves about 149 students with a 52.5% Pell rate. The fit case is narrow and specific: working adults in California's Central Valley pursuing accelerated business, criminal justice, or education undergraduate credentials, often as a feeder to the school's separately-accredited California-bar law program. Students seeking traditional liberal-arts undergraduate experiences should look elsewhere. The 42.6% repayment rate is a serious caution flag for any borrower, even at this notably low net price.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Humphreys University-Stockton and Modesto Campuses scores 25/100, which falls in the Below Benchmark tier (below 45). At a net price of $5,524 per year, with typical graduate earnings of $39,248 ten years after entry, we estimate the payback period at about 38.2 years. In our view that makes the financial case a hard one to make on the numbers alone, but those numbers are averages: your major, your aid package and what you want from a degree all change the picture, so run your own numbers before you commit.
What to keep an eye on: weak earnings relative to cost, a debt-to-earnings ratio of 1.20 (median across the schools we score: 0.61), a three-year loan repayment rate of 42.6% (median across the schools we score: 73.6%), a long payback period.
Median debt of $35,500 among graduates who borrowed, against average earnings of $29,500 six years after entry, gives a debt-to-earnings ratio of 1.20. That is 1.0 or higher, meaning median debt is at least a full year of those earnings, so your major - and how much you borrow - really matters.
Humphreys University-Stockton and Modesto Campuses: Common Questions
Is Humphreys University-Stockton and Modesto Campuses worth it?
In our view, the financial case is a hard one to make on the numbers alone. Humphreys University-Stockton and Modesto Campuses scores 25/100 on our ROI scale, in the Below Benchmark tier (below 45). At $5,524 a year after aid against $39,248 in typical earnings ten years out, we estimate the payback period at about 38.2 years. Your major and aid package can change the picture, so run your own numbers.
How much does Humphreys University-Stockton and Modesto Campuses cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $5,524 a year, or roughly $22,096 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Humphreys University-Stockton and Modesto Campuses graduates earn?
The typical graduate earns about $39,248 ten years after enrolling, at or below the $41,800 median for high-school graduates (NCES, 2022). With little earnings gap to cover the cost, the financial return is hard to make.
How long does it take to pay off Humphreys University-Stockton and Modesto Campuses?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 38.2 years for Humphreys University-Stockton and Modesto Campuses. The median across the schools we track is about 12 years.
How much debt do Humphreys University-Stockton and Modesto Campuses graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $35,500, against average earnings of $29,500 six years after entry - a debt-to-earnings ratio of 1.20. That is 1.0 or higher, meaning median debt is at least a full year of those earnings, so how much you borrow really matters.
What is the graduation rate at Humphreys University-Stockton and Modesto Campuses?
The six-year graduation rate is 61.5%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.