2026 ROI Award Winner
Median Earnings (1yr)
$34,441
87th percentile
80th percentile in California
Median Debt
$6,849
39% below national median

Analysis

Merced College's psychology associate program punches well above its weight, with first-year earnings of $34,441 that beat 87% of similar programs nationwide and 80% of California programs. That $8,000 advantage over the state median is substantial—only a handful of California community colleges produce better outcomes in this field, making this a standout option in the Central Valley.

The manageable $6,849 debt load reinforces the value here. That's nearly $4,400 less than the national median and about $500 less than California's typical debt for this program. With a debt-to-earnings ratio of just 0.20, graduates can realistically pay off their loans in under three months of full-time work. For context, Merced's first-year earnings exceed what graduates from programs like San Diego Mesa or Pasadena City College make—schools in much larger markets.

The notable earnings decline to $29,978 by year four deserves consideration, though even at that level graduates still earn more than most psychology associate holders nationwide. This pattern likely reflects the program's role as a transfer pathway—many students may move into four-year programs rather than staying in associate-level positions. For students planning to continue their education or seeking immediate entry into the workforce with minimal debt, this program delivers exceptional value for an associate degree in psychology.

Where Merced College Stands

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

Earnings Distribution

How Merced College graduates compare to all programs nationally

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

School1 Year4 YearsGrowth
Merced College$34,441$29,978-13%
Pasadena City College$24,894$34,262+38%
Modesto Junior College$25,832$32,227+25%
Fresno City College$27,421$30,921+13%
San Diego Mesa College$26,229$29,319+12%

Compare to Similar Programs in California

Psychology associates's programs at peer institutions in California (113 total in state)

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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Merced CollegeMerced$1,194$34,441$29,978$6,8490.20
Fresno City CollegeFresno$1,334$27,421$30,921$7,8020.28
San Diego Mesa CollegeSan Diego$1,150$26,229$29,319$7,5970.29
Modesto Junior CollegeModesto$1,270$25,832$32,227$6,7570.26
College of the DesertPalm Desert$1,326$25,792$28,739$5,5000.21
Pasadena City CollegePasadena$1,180$24,894$34,262$12,0000.48
National Median$26,232$11,1980.43

Career Paths

Occupations commonly associated with psychology graduates

Industrial-Organizational Psychologists

Apply principles of psychology to human resources, administration, management, sales, and marketing problems. Activities may include policy planning; employee testing and selection, training, and development; and organizational development and analysis. May work with management to organize the work setting to improve worker productivity.

$94,310/yrJobs growth:

Clinical and Counseling Psychologists

Assess, diagnose, and treat mental and emotional disorders of individuals through observation, interview, and psychological tests. Help individuals with distress or maladjustment understand their problems through their knowledge of case history, interviews with patients, and theory. Provide individual or group counseling services to assist individuals in achieving more effective personal, social, educational, and vocational development and adjustment. May design behavior modification programs and consult with medical personnel regarding the best treatment for patients.

$94,310/yrJobs growth:

Psychologists, All Other

All psychologists not listed separately.

$94,310/yrJobs growth:

Neuropsychologists

Apply theories and principles of neuropsychology to evaluate and diagnose disorders of higher cerebral functioning, often in research and medical settings. Study the human brain and the effect of physiological states on human cognition and behavior. May formulate and administer programs of treatment.

$94,310/yrJobs growth:

Clinical Neuropsychologists

Assess and diagnose patients with neurobehavioral problems related to acquired or developmental disorders of the nervous system, such as neurodegenerative disorders, traumatic brain injury, seizure disorders, and learning disabilities. Recommend treatment after diagnosis, such as therapy, medication, or surgery. Assist with evaluation before and after neurosurgical procedures, such as deep brain stimulation.

$94,310/yrJobs growth:

Psychology Teachers, Postsecondary

Teach courses in psychology, such as child, clinical, and developmental psychology, and psychological counseling. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Managers, All Other

All managers not listed separately.

Loss Prevention Managers

Plan and direct policies, procedures, or systems to prevent the loss of assets. Determine risk exposure or potential liability, and develop risk control measures.

Social Science Research Assistants

Assist social scientists in laboratory, survey, and other social science research. May help prepare findings for publication and assist in laboratory analysis, quality control, or data management.

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 Merced College, 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 32 graduates with reported earnings and 30 graduates with debt data. Small samples may not be representative.