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
Earnings Distribution
How Frostburg State University 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 |
|---|---|---|---|
| Frostburg State University | $27,213 | $44,478 | +63% |
| Loyola University Maryland | $26,103 | $55,969 | +114% |
| University of Maryland-College Park | $35,933 | $54,690 | +52% |
| Washington College | $34,490 | $50,653 | +47% |
| University of Maryland-Baltimore County | $35,721 | $48,488 | +36% |
Compare to Similar Programs in Maryland
Psychology bachelors's programs at peer institutions in Maryland (21 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $9,998 | $27,213 | $44,478 | $24,904 | 0.92 | |
| $7,992 | $42,056 | $47,572 | $23,465 | 0.56 | |
| $8,999 | $36,765 | $47,990 | $28,375 | 0.77 | |
| $11,505 | $35,933 | $54,690 | $20,500 | 0.57 | |
| $12,952 | $35,721 | $48,488 | $20,500 | 0.57 | |
| $54,356 | $34,490 | $50,653 | $27,000 | 0.78 | |
| 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 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.