Median Earnings (1yr)
$20,993
5th percentile (25th in WV)
Median Debt
$15,648
39% below national median
Debt-to-Earnings
0.75
Manageable
Sample Size
18
Limited data

Analysis

This program's small sample size makes drawing definitive conclusions difficult, but the available data points to significant financial challenges. Concord's psychology graduates earn just $20,993 one year after graduation—less than half the national median of $31,482 and roughly $8,000 below West Virginia's state median. Even within West Virginia, where psychology earnings trail national averages, this program ranks in just the 25th percentile. To put it bluntly: three-quarters of psychology programs in the state produce better initial outcomes.

The debt burden compounds the problem. At $15,648, graduates owe relatively little in absolute terms (the national median is $25,500), yet this represents 75% of their first-year income—a ratio that typically signals repayment struggles. The strong earnings growth to $32,751 by year four is encouraging and suggests graduates eventually find better footing, but those early years matter enormously for loan repayment and financial stability.

With Concord's 90% admission rate and nearly half of students on Pell grants, this serves an access mission for first-generation and lower-income West Virginians. That's valuable. But parents should understand their child would likely be starting $10,000+ behind peers at Marshall, Shepherd, or American Public University System—schools charging similar tuition. If psychology is the goal, other in-state options appear to offer meaningfully better returns on investment.

Where Concord University Stands

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

Concord 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 Concord University graduates compare to all programs nationally

Concord University graduates earn $21k, 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 West Virginia

Psychology bachelors's programs at peer institutions in West Virginia (14 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Concord University$20,993$32,751$15,6480.75
American Public University System$39,655$44,912$31,9730.81
Shepherd University$31,282$42,528$22,5000.72
Marshall University$30,864$36,901$26,0000.84
Fairmont State University$29,307$36,992$26,0000.89
West Virginia University$28,879$41,351$23,3280.81
National Median$31,482—$25,5000.81

Other Psychology Programs in West Virginia

Compare tuition, earnings, and debt across West Virginia schools

SchoolIn-State TuitionEarnings (1yr)Debt
American Public University System
Charles Town
$8,400$39,655$31,973
Shepherd University
Shepherdstown
$8,642$31,282$22,500
Marshall University
Huntington
$8,942$30,864$26,000
Fairmont State University
Fairmont
$8,454$29,307$26,000
West Virginia University
Morgantown
$9,648$28,879$23,328

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 Concord University, approximately 47% 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 18 graduates with reported earnings and 25 graduates with debt data. Small samples may not be representative.