Median Earnings (1yr)
$31,503
50th percentile (60th in TX)
Median Debt
$26,695
5% above national median
Debt-to-Earnings
0.85
Manageable
Sample Size
16
Limited data

Analysis

Hardin-Simmons University's psychology program produces outcomes that sit comfortably above the Texas median, placing graduates in the 60th percentile statewide—a meaningful achievement given that 72 Texas schools offer this degree. With first-year earnings of $31,503 rising to $34,737 by year four, graduates see steady income growth that outpaces what many psychology programs deliver. The debt load of $26,695 is manageable relative to earnings, yielding a debt-to-earnings ratio of 0.85 that suggests graduates can realistically service their loans.

The gap between Hardin-Simmons and Texas's top-performing programs is substantial—schools like UT Permian Basin and TCU report earnings exceeding $40,000—but those comparisons may be misleading. Psychology often serves as a stepping stone to graduate school rather than a terminal degree, and Hardin-Simmons graduates show the kind of earnings trajectory that keeps graduate education accessible. The small sample size here (under 30 graduates) means these figures could shift with more data, but the basic financial picture remains sound: modest debt against growing income in line with state norms.

For families comfortable with psychology's inherent career uncertainties, this program delivers predictable value without the financial burden that would make graduate school unaffordable. Just understand that you're looking at entry-level human services salaries, not business-degree earnings.

Where Hardin-Simmons University Stands

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

Hardin-Simmons UniversityOther 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 Hardin-Simmons University graduates compare to all programs nationally

Hardin-Simmons University graduates earn $32k, placing them in the 50th 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 Texas

Psychology bachelors's programs at peer institutions in Texas (72 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Hardin-Simmons University$31,503$34,737$26,6950.85
The University of Texas Permian Basin$46,009$50,137$21,7310.47
Texas Christian University$42,108$48,796$23,4120.56
Rice University$41,299$57,256$12,5050.30
Southern Methodist University$38,115$52,450$23,3100.61
University of St Thomas$37,572—$21,4680.57
National Median$31,482—$25,5000.81

Other Psychology Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
The University of Texas Permian Basin
Odessa
$10,904$46,009$21,731
Texas Christian University
Fort Worth
$57,220$42,108$23,412
Rice University
Houston
$58,128$41,299$12,505
Southern Methodist University
Dallas
$64,460$38,115$23,310
University of St Thomas
Houston
$33,660$37,572$21,468

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 Hardin-Simmons University, approximately 38% 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 16 graduates with reported earnings and 33 graduates with debt data. Small samples may not be representative.