Median Earnings (1yr)
$27,724
21st percentile (40th in CA)
Median Debt
$22,411
12% below national median
Debt-to-Earnings
0.81
Manageable
Sample Size
39
Adequate data

Analysis

Point Loma Nazarene's psychology program demonstrates one of the more dramatic earnings trajectories in California, with graduates seeing their income jump 68% between year one and year four—from $27,724 to $46,593. That year-four figure significantly outpaces both the national median ($31,482) and California median ($30,614), though graduates start below these benchmarks. This suggests many students may be pursuing graduate education or entering fields where psychology serves as a foundation rather than the final credential, explaining both the initially modest earnings and the subsequent surge.

The program's positioning in California is solidly middle-of-the-road: 40th percentile for earnings among 84 programs statewide. The $22,411 in median debt sits just above California's median for psychology programs, yielding a manageable first-year debt-to-earnings ratio of 0.81. While the initial salary will feel tight—particularly in expensive San Diego—the rapid earnings growth suggests graduates are finding their footing relatively quickly.

For families evaluating this program, the key question is whether your student plans to continue their education or enter a field that values the trajectory over the starting point. If graduate school is likely, this program delivers strong outcomes at a reasonable debt load. If your student expects their bachelor's degree to be terminal, the low starting salary relative to California's cost of living deserves serious consideration.

Where Point Loma Nazarene University Stands

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

Point Loma Nazarene UniversityOther 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 Point Loma Nazarene University graduates compare to all programs nationally

Point Loma Nazarene University graduates earn $28k, placing them in the 21th 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 California

Psychology bachelors's programs at peer institutions in California (84 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Point Loma Nazarene University$27,724$46,593$22,4110.81
University of Massachusetts Global$40,726$51,379$26,7030.66
The Chicago School at Los Angeles$39,596—$40,6451.03
Santa Clara University$38,587$58,545$17,6670.46
Ashford University$38,524$36,510$43,8751.14
National University$38,523$54,307$31,2500.81
National Median$31,482—$25,5000.81

Other Psychology Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Massachusetts Global
Aliso Viejo
$12,520$40,726$26,703
The Chicago School at Los Angeles
Los Angeles
$20,844$39,596$40,645
Santa Clara University
Santa Clara
$59,241$38,587$17,667
Ashford University
San Diego
$13,160$38,524$43,875
National University
San Diego
$13,320$38,523$31,250

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 Point Loma Nazarene University, approximately 23% 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 39 graduates with reported earnings and 63 graduates with debt data. Small samples may not be representative.