Median Earnings (1yr)
$34,441
87th percentile (80th in CA)
Median Debt
$6,849
39% below national median
Debt-to-Earnings
0.20
Manageable
Sample Size
32
Adequate data

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

Merced CollegeOther 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 Merced College graduates compare to all programs nationally

Merced College graduates earn $34k, placing them in the 87th percentile of all psychology associates 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 California

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

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Merced College$34,441$29,978$6,8490.20
Fresno City College$27,421$30,921$7,8020.28
San Diego Mesa College$26,229$29,319$7,5970.29
Modesto Junior College$25,832$32,227$6,7570.26
College of the Desert$25,792$28,739$5,5000.21
Pasadena City College$24,894$34,262$12,0000.48
National Median$26,232—$11,1980.43

Other Psychology Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
Fresno City College
Fresno
$1,334$27,421$7,802
San Diego Mesa College
San Diego
$1,150$26,229$7,597
Modesto Junior College
Modesto
$1,270$25,832$6,757
College of the Desert
Palm Desert
$1,326$25,792$5,500
Pasadena City College
Pasadena
$1,180$24,894$12,000

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 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.