Median Earnings (1yr)
$32,637
59th percentile (60th in NJ)
Median Debt
$35,853
41% above national median
Debt-to-Earnings
1.10
Elevated
Sample Size
33
Adequate data

Analysis

Pillar College's psychology program outperforms both state and national medians, placing graduates in the 60th percentile among New Jersey programs—a meaningful achievement given that many larger state universities occupy the top spots. First-year graduates earn $32,637, roughly $2,600 above New Jersey's median for psychology programs, and that figure climbs to over $39,000 by year four. The 20% earnings growth suggests graduates are finding paths beyond entry-level positions, though these numbers remain modest in absolute terms for a state with New Jersey's cost of living.

The real advantage here is debt management. At $35,853, graduates carry roughly $10,000 more debt than the state median, but the debt-to-earnings ratio of 1.10 is quite manageable—it means total debt roughly equals one year's salary. More than half of students receive Pell grants, indicating the college serves many lower-income families who are getting reasonable economic outcomes. Psychology graduates often need graduate school for higher-paying roles, so keeping undergraduate debt in check matters considerably.

For families weighing this against alternatives, Pillar delivers slightly better earnings than William Paterson or Kean University while maintaining a similar debt load. It won't match Rider's outcomes, but it's performing solidly in its tier. The program works if your student is debt-conscious and plans to either work immediately after graduation or pursue an advanced degree without carrying excessive undergraduate loans into that next phase.

Where Pillar College Stands

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

Pillar 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 Pillar College graduates compare to all programs nationally

Pillar College graduates earn $33k, placing them in the 59th 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 New Jersey

Psychology bachelors's programs at peer institutions in New Jersey (25 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Pillar College$32,637$39,092$35,8531.10
Rider University$38,118$52,513$27,0000.71
Georgian Court University$36,117$45,248$22,3750.62
Montclair State University$33,432$46,064$25,0000.75
William Paterson University of New Jersey$32,418$44,968$25,0000.77
Kean University$31,475$44,540$25,0000.79
National Median$31,482—$25,5000.81

Other Psychology Programs in New Jersey

Compare tuition, earnings, and debt across New Jersey schools

SchoolIn-State TuitionEarnings (1yr)Debt
Rider University
Lawrenceville
$38,900$38,118$27,000
Georgian Court University
Lakewood
$37,110$36,117$22,375
Montclair State University
Montclair
$14,766$33,432$25,000
William Paterson University of New Jersey
Wayne
$15,150$32,418$25,000
Kean University
Union
$13,426$31,475$25,000

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 Pillar College, approximately 56% 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 33 graduates with reported earnings and 56 graduates with debt data. Small samples may not be representative.