Psychology at Frostburg State University
Bachelor's Degree
Analysis
At first glance, Frostburg State's psychology program appears problematic—graduates earn just $27,213 in their first year, landing in the 18th percentile nationally. But look closer at the trajectory: by year four, earnings jump to $44,478, a 63% increase that dramatically outpaces typical psychology graduates. Among Maryland's 21 psychology programs, this ranks squarely in the middle at the 40th percentile, though it still trails stronger options like UMD Global Campus ($42,056) and Bowie State ($36,765).
The debt load of $24,904 is reasonable, especially considering the delayed earnings potential. That first-year figure shouldn't alarm you—many psychology graduates pursue additional credentials or start in entry-level positions before moving into better-paying roles. The question is whether your child plans to leverage that four-year growth trajectory. If they're targeting human services, counseling prerequisites, or corporate HR positions that value experience over immediate credentials, this pattern makes sense.
For families prioritizing affordability at an accessible state school (89% admission rate, strong Pell enrollment), Frostburg delivers manageable debt with genuine upward mobility. Just ensure your child understands they're signing up for a slower start that requires patience and strategic career development to reach that year-four payoff.
Where Frostburg State University Stands
Earnings vs. debt across all psychology bachelors's programs nationally
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 Frostburg State University graduates compare to all programs nationally
Frostburg State University graduates earn $27k, placing them in the 18th 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 Maryland
Psychology bachelors's programs at peer institutions in Maryland (21 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Frostburg State University | $27,213 | $44,478 | $24,904 | 0.92 |
| University of Maryland Global Campus | $42,056 | $47,572 | $23,465 | 0.56 |
| Bowie State University | $36,765 | $47,990 | $28,375 | 0.77 |
| University of Maryland-College Park | $35,933 | $54,690 | $20,500 | 0.57 |
| University of Maryland-Baltimore County | $35,721 | $48,488 | $20,500 | 0.57 |
| Washington College | $34,490 | $50,653 | $27,000 | 0.78 |
| National Median | $31,482 | — | $25,500 | 0.81 |
Other Psychology Programs in Maryland
Compare tuition, earnings, and debt across Maryland schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| University of Maryland Global Campus Adelphi | $7,992 | $42,056 | $23,465 |
| Bowie State University Bowie | $8,999 | $36,765 | $28,375 |
| University of Maryland-College Park College Park | $11,505 | $35,933 | $20,500 |
| University of Maryland-Baltimore County Baltimore | $12,952 | $35,721 | $20,500 |
| Washington College Chestertown | $54,356 | $34,490 | $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 Frostburg State University, approximately 33% 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 84 graduates with reported earnings and 118 graduates with debt data. Small samples may not be representative.