Median Earnings (1yr)
$23,744
5th percentile (25th in CA)
Median Debt
$20,000
22% below national median
Debt-to-Earnings
0.84
Manageable
Sample Size
84
Adequate data

Analysis

Cal Poly San Luis Obispo's psychology program shows an unusual pattern: the first-year earnings of $23,744 trail the state median by $7,000, placing graduates in just the 25th percentile among California psychology programs. That's concerning at a selective school with a 30% admission rate. However, the four-year trajectory tells a different story—earnings more than double to $48,589, ultimately surpassing both state and national medians by a meaningful margin.

The question for families is whether that delayed payoff makes sense. The relatively modest debt load of $20,000 is below both state and national averages, which helps offset the weak start. But that first year matters: graduates may struggle with loan payments or need financial support while building their careers. The gap between Cal Poly's outcomes and top California programs like UMass Global ($40,726 in year one) is substantial enough to warrant attention.

This pattern suggests Cal Poly psychology grads may be starting in entry-level positions—research assistantships, social services roles—that eventually lead somewhere more lucrative. If your student is patient and can absorb a financially tight first few years, the program delivers solid mid-career positioning. But if immediate financial independence is the goal, stronger first-year performers exist within California's system.

Where California Polytechnic State University-San Luis Obispo Stands

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

California Polytechnic State University-San Luis ObispoOther 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 California Polytechnic State University-San Luis Obispo graduates compare to all programs nationally

California Polytechnic State University-San Luis Obispo graduates earn $24k, placing them in the 5th 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 California

Psychology bachelors's programs at peer institutions in California (84 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
California Polytechnic State University-San Luis Obispo$23,744$48,589$20,0000.84
University of Massachusetts Global$40,726$51,379$26,7030.66
The Chicago School at Los Angeles$39,596—$40,6451.03
Santa Clara University$38,587$58,545$17,6670.46
Ashford University$38,524$36,510$43,8751.14
National University$38,523$54,307$31,2500.81
National Median$31,482—$25,5000.81

Other Psychology Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Massachusetts Global
Aliso Viejo
$12,520$40,726$26,703
The Chicago School at Los Angeles
Los Angeles
$20,844$39,596$40,645
Santa Clara University
Santa Clara
$59,241$38,587$17,667
Ashford University
San Diego
$13,160$38,524$43,875
National University
San Diego
$13,320$38,523$31,250

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 California Polytechnic State University-San Luis Obispo, approximately 18% 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 84 graduates with reported earnings and 90 graduates with debt data. Small samples may not be representative.