Median Earnings (1yr)
$29,028
30th percentile (60th in KY)
Median Debt
$26,376
3% above national median
Debt-to-Earnings
0.91
Manageable
Sample Size
67
Adequate data

Analysis

Bellarmine's psychology graduates earn slightly less than the national average but actually outperform most Kentucky programs, landing in the 60th percentile statewide. That first-year salary of $29,028 sits below the national median by about $2,500, but it's above Kentucky's median—a meaningful distinction if your child plans to stay in the state. The debt load of $26,376 is right at national norms, and with a debt-to-earnings ratio under 1.0, graduates aren't drowning in payments even at these modest salaries.

The 21% earnings bump from year one to year four suggests steady career progression, though even at $35,231, these graduates remain well behind Kentucky's top performers like Spalding ($40,262) or University of the Cumberlands ($36,913). Psychology typically requires graduate work for higher-paying clinical roles, so these figures likely reflect positions in social services, case management, or entry-level corporate work.

For families considering Bellarmine, the calculation depends heavily on net cost. At 94% admission, this isn't a selective program commanding premium outcomes. If you're comparing against public options like Northern Kentucky University—which posts similar debt but $1,000 higher earnings—the private school premium needs justification through fit or specific opportunities. The program works fine as a foundation for grad school, but don't expect the bachelor's alone to deliver financial independence quickly.

Where Bellarmine University Stands

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

Bellarmine UniversityOther 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 Bellarmine University graduates compare to all programs nationally

Bellarmine University graduates earn $29k, placing them in the 30th 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 Kentucky

Psychology bachelors's programs at peer institutions in Kentucky (24 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Bellarmine University$29,028$35,231$26,3760.91
Spalding University$40,262$39,085$31,7500.79
University of the Cumberlands$36,913$35,801$21,7500.59
Northern Kentucky University$36,209$35,440$26,0880.72
Georgetown College$33,921$43,886$27,0000.80
Campbellsville University$31,478—$23,2500.74
National Median$31,482—$25,5000.81

Other Psychology Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Spalding University
Louisville
$27,850$40,262$31,750
University of the Cumberlands
Williamsburg
$9,875$36,913$21,750
Northern Kentucky University
Highland Heights
$10,896$36,209$26,088
Georgetown College
Georgetown
$42,010$33,921$27,000
Campbellsville University
Campbellsville
$26,990$31,478$23,250

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 Bellarmine University, approximately 25% 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 67 graduates with reported earnings and 91 graduates with debt data. Small samples may not be representative.