Median Earnings (1yr)
$39,596
95th percentile (60th in AZ)
Median Debt
$27,562
8% above national median
Debt-to-Earnings
0.70
Manageable
Sample Size
30
Adequate data

Analysis

Ottawa University-Surprise's psychology graduates are earning $39,596 one year out—nearly $6,000 above the Arizona median and ranking in the 95th percentile nationally. That's a significant premium over what most psychology majors make, even compared to larger state schools like Arizona State ($37,312) and University of Arizona ($33,699). For a bachelor's program that typically struggles with earnings outcomes, these numbers stand out.

The debt picture is more nuanced. At $27,562, borrowing is higher than Arizona's median of $23,000 for psychology programs, but still reasonable given the earnings advantage. The debt-to-earnings ratio of 0.70 means graduates earn substantially more than they owe, which puts them in a manageable position for repayment. That said, psychology degrees often lead to graduate school, so families should factor in whether additional borrowing lies ahead.

What's interesting here is the disconnect between the school's modest selectivity (40% admission rate, 978 SAT) and the strong career outcomes. This suggests either strong local employer relationships or a program structure that effectively prepares students for higher-paying positions. For families comparing options in Arizona, this program delivers better first-year earnings than any other psychology program in the state, which justifies the slightly higher debt load. Just recognize that the 60th state percentile ranking shows you're paying a bit more for that performance edge.

Where Ottawa University-Surprise Stands

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

Ottawa University-SurpriseOther 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 Ottawa University-Surprise graduates compare to all programs nationally

Ottawa University-Surprise graduates earn $40k, placing them in the 95th percentile of all psychology bachelors programs nationally.

Compare to Similar Programs in Arizona

Psychology bachelors's programs at peer institutions in Arizona (9 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Ottawa University-Surprise$39,596$27,5620.70
Arizona State University Digital Immersion$37,312$45,403$23,0000.62
Arizona State University Campus Immersion$37,312$45,403$23,0000.62
Northern Arizona University$33,844$40,983$22,4920.66
University of Arizona$33,699$44,609$20,3740.60
Prescott College$29,888$31,3341.05
National Median$31,482$25,5000.81

Other Psychology Programs in Arizona

Compare tuition, earnings, and debt across Arizona schools

SchoolIn-State TuitionEarnings (1yr)Debt
Arizona State University Digital Immersion
Scottsdale
$37,312$23,000
Arizona State University Campus Immersion
Tempe
$12,051$37,312$23,000
Northern Arizona University
Flagstaff
$12,652$33,844$22,492
University of Arizona
Tucson
$13,626$33,699$20,374
Prescott College
Prescott
$35,685$29,888$31,334

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 Ottawa University-Surprise, approximately 37% 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 30 graduates with reported earnings and 54 graduates with debt data. Small samples may not be representative.