Median Earnings (1yr)
$30,925
45th percentile (40th in NY)
Median Debt
$10,000
61% below national median
Debt-to-Earnings
0.32
Manageable
Sample Size
403
Adequate data

Analysis

CUNY City College's psychology program stands out for one compelling reason: exceptionally low debt burden. At just $10,000 in median debt, graduates carry roughly 60% less debt than typical psychology majors nationally ($25,500) and in New York ($25,000). This puts the program in the 95th percentile nationally for affordability—meaning 95% of psychology programs nationwide saddle students with more debt.

The earnings picture tells a story of steady growth rather than immediate payoff. Starting salaries of $30,925 lag slightly behind state and national medians, but graduates see robust 55% income growth by year four, reaching $48,043. While this places the program around the 40th percentile among New York psychology programs, the debt-to-earnings ratio of 0.32 is remarkably favorable. Most psychology graduates elsewhere face debt loads nearly equal to their first-year salary.

For families prioritizing affordability without sacrificing long-term earning potential, this program delivers genuine value. The combination of CUNY's accessible tuition structure and solid four-year earnings growth creates a pathway into psychology that won't burden your child with crushing debt. While graduates won't immediately out-earn peers from pricier programs, they'll have the financial flexibility to pursue graduate school, internships, or entry-level positions that higher-debt graduates might have to skip.

Where CUNY City College Stands

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

CUNY City CollegeOther 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 CUNY City College graduates compare to all programs nationally

CUNY City College graduates earn $31k, placing them in the 45th 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 New York

Psychology bachelors's programs at peer institutions in New York (92 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
CUNY City College$30,925$48,043$10,0000.32
CUNY Graduate School and University Center$48,299$41,272$19,4620.40
Excelsior University$43,574—$28,9140.66
CUNY Medgar Evers College$39,868$41,004$11,7000.29
Empire State University$39,188$40,013$29,0500.74
Touro University$38,918$37,736$20,5000.53
National Median$31,482—$25,5000.81

Other Psychology Programs in New York

Compare tuition, earnings, and debt across New York schools

SchoolIn-State TuitionEarnings (1yr)Debt
CUNY Graduate School and University Center
New York
$7,410$48,299$19,462
Excelsior University
Albany
—$43,574$28,914
CUNY Medgar Evers College
Brooklyn
$7,352$39,868$11,700
Empire State University
Saratoga Springs
$7,630$39,188$29,050
Touro University
New York
$21,810$38,918$20,500

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 CUNY City College, approximately 60% 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 403 graduates with reported earnings and 203 graduates with debt data. Small samples may not be representative.