Median Earnings (1yr)
$27,148
17th percentile (40th in TX)
Median Debt
$26,375
3% above national median
Debt-to-Earnings
0.97
Manageable
Sample Size
28
Limited data

Analysis

ACU's online psychology program shows just $27,148 in first-year earnings—well below both the Texas median ($30,932) and national average ($31,482). While it ranks at the 40th percentile among Texas psychology programs, that still places it in the bottom half statewide. The debt burden of $26,375 nearly equals first-year income, creating a 0.97 debt-to-earnings ratio that makes loan repayment challenging in those critical early years.

The dramatic 79% earnings jump to $48,543 by year four provides some reassurance. This trajectory suggests graduates eventually find their footing professionally, potentially moving into roles that value their degree more substantially. However, with a 100% admission rate and 60% of students on Pell grants, the school serves a population that may be particularly vulnerable to those difficult first few years of low earnings while carrying significant debt.

The small sample size here (under 30 graduates) means these numbers could shift considerably with more data. Still, the current picture suggests families should carefully consider whether this investment makes sense when stronger-performing Texas programs exist. If your student is drawn to online education specifically, compare this carefully against both brick-and-mortar options and other online psychology programs before committing.

Where Abilene Christian University-Undergraduate Online Stands

Earnings vs. debt across all psychology bachelors's programs nationally

Abilene Christian University-Undergraduate OnlineOther psychology programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Abilene Christian University-Undergraduate Online graduates compare to all programs nationally

Abilene Christian University-Undergraduate Online graduates earn $27k, placing them in the 17th percentile of all psychology bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Texas

Psychology bachelors's programs at peer institutions in Texas (72 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Abilene Christian University-Undergraduate Online$27,148$48,543$26,3750.97
The University of Texas Permian Basin$46,009$50,137$21,7310.47
Texas Christian University$42,108$48,796$23,4120.56
Rice University$41,299$57,256$12,5050.30
Southern Methodist University$38,115$52,450$23,3100.61
University of St Thomas$37,572$21,4680.57
National Median$31,482$25,5000.81

Other Psychology Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
The University of Texas Permian Basin
Odessa
$10,904$46,009$21,731
Texas Christian University
Fort Worth
$57,220$42,108$23,412
Rice University
Houston
$58,128$41,299$12,505
Southern Methodist University
Dallas
$64,460$38,115$23,310
University of St Thomas
Houston
$33,660$37,572$21,468

About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At Abilene Christian University-Undergraduate Online, approximately 60% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Sample Size: Based on 28 graduates with reported earnings and 54 graduates with debt data. Small samples may not be representative.