Psychology at Monmouth University

Monmouth University's psychology program starts graduates at a notably difficult $28,590—below both the national median ($31,482) and New Jersey's median ($29,982). While that ranks in just the 40th percentile among Garden State psychology programs, the story improves dramatically over time: earnings jump to $50,107 by year four, a 75% increase that outpaces typical career progression in this field.

The $27,000 debt load sits slightly above state norms but remains manageable relative to where graduates end up. That first year will be tight—the 0.94 debt-to-earnings ratio means nearly a full year's salary goes toward what students borrowed—but the robust earnings growth suggests patience pays off here. You're essentially betting on a delayed payoff rather than immediate returns, which works better for students who can weather lower starting salaries through family support or strategic living arrangements.

The program's trajectory matters more than its starting point, but parents should recognize this isn't a top-tier outcome in New Jersey. Schools like Rider ($38,118 starting) and Georgian Court ($36,117) offer significantly stronger launch pads. If your student needs to earn immediately after graduation—say, to support themselves independently—this program's slow start becomes a real obstacle. For those who can afford to grow into their earning potential, the four-year numbers tell a more encouraging story.