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
Earnings Distribution
How CUNY City College graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| CUNY City College | $30,925 | $48,043 | +55% |
| Cornell University | $36,630 | $64,146 | +75% |
| Fordham University | $28,256 | $58,590 | +107% |
| Binghamton University | $30,023 | $58,122 | +94% |
| Ithaca College | $27,814 | $55,104 | +98% |
Compare to Similar Programs in New York
Psychology bachelors's programs at peer institutions in New York (92 total in state)
Scroll to see more →
| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $7,340 | $30,925 | $48,043 | $10,000 | 0.32 | |
| $7,410 | $48,299 | $41,272 | $19,462 | 0.40 | |
| — | $43,574 | — | $28,914 | 0.66 | |
| $7,352 | $39,868 | $41,004 | $11,700 | 0.29 | |
| $7,630 | $39,188 | $40,013 | $29,050 | 0.74 | |
| $21,810 | $38,918 | $37,736 | $20,500 | 0.53 | |
| National Median | — | $31,482 | — | $25,500 | 0.81 |
Career Paths
Occupations commonly associated with psychology graduates
Industrial-Organizational Psychologists
Clinical and Counseling Psychologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Psychology Teachers, Postsecondary
Managers, All Other
Loss Prevention Managers
Social Science Research Assistants
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.