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
Earnings Distribution
How Point Loma Nazarene University graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Point Loma Nazarene University | $27,724 | $46,593 | +68% |
| Santa Clara University | $38,587 | $58,545 | +52% |
| University of the Pacific | $23,077 | $57,652 | +150% |
| University of Southern California | $34,139 | $55,156 | +62% |
| University of San Diego | $35,595 | $55,078 | +55% |
Compare to Similar Programs in California
Psychology bachelors's programs at peer institutions in California (84 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $43,550 | $27,724 | $46,593 | $22,411 | 0.81 | |
| $12,520 | $40,726 | $51,379 | $26,703 | 0.66 | |
| $20,844 | $39,596 | — | $40,645 | 1.03 | |
| $59,241 | $38,587 | $58,545 | $17,667 | 0.46 | |
| $13,160 | $38,524 | $36,510 | $43,875 | 1.14 | |
| $13,320 | $38,523 | $54,307 | $31,250 | 0.81 | |
| National Median | — | $31,482 | — | $25,500 | 0.81 |
Career Paths
Occupations commonly associated with psychology graduates
Industrial-Organizational Psychologists
Clinical and Counseling Psychologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Psychology Teachers, Postsecondary
Managers, All Other
Loss Prevention Managers
Social Science Research Assistants
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.