Graduate certificate · Santa Barbara, California

Is Education, General at University of California-Santa Barbara 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 in time: graduates typically recover the cost in about 4.1 years.

Earnings 1 year after graduating: $71,220; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $77,784; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $13,469; NSLDS pooled AY2022-23, AY2023-24 cohort
Typical borrowing (no graduate net price is published): $14k (likely $14k – $14k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $9k a year vs bachelor's graduates 4 years out in CA; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 4.1 years (likely 2.2–10.1); Bump vs net cost plus loan interest
10-year net return: −$10k (likely −$76k – $61k); Today's dollars
20-year net return: $113k (likely −$32k – $282k); Today's dollars
Borrowers making progress / in default, 2 years in: ≤ 20% / ≤ 20%; NSLDS AY2016-17, AY2017-18 pooled cohorts measured in 2018-19, 2019-20

Scorecard reports no net price for graduate programs; cost is based on what graduates typically borrowed.