Median Earnings (1yr)
$36,243
85th percentile (60th in MN)
Median Debt
$27,000
6% above national median
Debt-to-Earnings
0.74
Manageable
Sample Size
51
Adequate data

Analysis

Concordia-Saint Paul's psychology graduates earn well above the national median for their field, but find themselves in the middle of Minnesota's competitive psychology market. At $36,243 in first-year earnings, they're outperforming 85% of psychology programs nationally—a solid accomplishment—yet landing at exactly the state median for Minnesota. With $27,000 in debt (less than most psychology graduates nationally), the financial foundation is manageable, though schools like College of Saint Benedict and Metropolitan State demonstrate that Minnesota students can access programs with notably higher starting salaries.

The 37% earnings growth to $49,552 by year four suggests this degree opens doors that compound over time. The debt-to-earnings ratio of 0.74 means graduates start with less than one year's salary in loans, a reasonable position for entering a helping profession where early compensation rarely dazzles. For families considering private tuition at Concordia versus Minnesota's public alternatives or higher-ranked private schools, the calculation hinges on fit and financial aid: the outcomes here are respectable but not exceptional enough to justify a significant price premium over state schools.

This program won't limit your child's options, but Minnesota offers psychology programs with stronger early earnings. If Concordia's net cost after aid matches or beats public options, it's a reasonable choice. If it's significantly more expensive, the earnings data suggests looking at Metropolitan State or the U of M system instead.

Where Concordia University-Saint Paul Stands

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

Concordia University-Saint PaulOther 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 University-Saint Paul graduates compare to all programs nationally

Concordia University-Saint Paul graduates earn $36k, placing them in the 85th 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 University-Saint Paul$36,243$49,552$27,0000.74
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 University-Saint Paul, approximately 34% 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 51 graduates with reported earnings and 83 graduates with debt data. Small samples may not be representative.