Median Earnings (1yr)
$31,529
50th percentile (40th in MN)
Median Debt
$26,899
5% above national median
Debt-to-Earnings
0.85
Manageable
Sample Size
28
Limited data

Analysis

Concordia's psychology graduates start at $31,529—essentially matching the national average but falling short of Minnesota's $36,243 median. That 40th percentile state ranking means six out of ten Minnesota psychology programs produce better initial outcomes, including several at similar or lower debt levels. The small sample size here matters: with fewer than 30 graduates tracked, these numbers might not represent your child's experience if they enroll.

The debt picture offers some reassurance. At $26,899, borrowing sits below the 27th percentile nationally, meaning most psychology programs saddle students with more debt. Combined with solid 36% earnings growth to $42,968 by year four, graduates see real income progression. That growth trajectory suggests the degree opens doors beyond entry-level positions, even if the starting point lags state peers.

For Minnesota families, this creates a calculation problem. You're likely paying in-state tuition at University of Minnesota-Duluth or Metropolitan State—both producing $38,000+ earners with similar debt. Unless your child specifically needs Concordia's environment or has merit aid closing the gap, stronger-performing in-state options exist. The reasonable debt load prevents this from being a poor choice, but it's not positioned as a value leader in Minnesota's crowded psychology market.

Where Concordia College at Moorhead Stands

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

Concordia College at MoorheadOther 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 Concordia College at Moorhead graduates compare to all programs nationally

Concordia College at Moorhead graduates earn $32k, placing them in the 50th 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 Minnesota

Psychology bachelors's programs at peer institutions in Minnesota (31 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Concordia College at Moorhead$31,529$42,968$26,8990.85
College of Saint Benedict$41,029$45,302$27,0000.66
Metropolitan State University$40,958$44,425$30,1550.74
Capella University$39,764$43,554$40,8161.03
University of Minnesota-Duluth$38,543$45,061$24,2250.63
University of St Thomas$38,396$51,174$27,0000.70
National Median$31,482—$25,5000.81

Other Psychology Programs in Minnesota

Compare tuition, earnings, and debt across Minnesota schools

SchoolIn-State TuitionEarnings (1yr)Debt
College of Saint Benedict
Saint Joseph
$53,884$41,029$27,000
Metropolitan State University
Saint Paul
$9,780$40,958$30,155
Capella University
Minneapolis
$14,436$39,764$40,816
University of Minnesota-Duluth
Duluth
$14,318$38,543$24,225
University of St Thomas
Saint Paul
$52,284$38,396$27,000

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 Concordia College at Moorhead, approximately 20% 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 39 graduates with debt data. Small samples may not be representative.