Median Earnings (1yr)
$26,047
11th percentile (80th in PR)
Median Debt
$12,250
52% below national median
Debt-to-Earnings
0.47
Manageable
Sample Size
16
Limited data

Analysis

Psychology graduates from this Arecibo campus face an unusual situation: they're earning more than 80% of psychology programs across Puerto Rico, yet still landing in the bottom 11th percentile nationally. With first-year earnings around $26,000—37% above Puerto Rico's median for psychology but 17% below the national average—this reflects the island's broader economic constraints rather than program quality. The manageable $12,250 debt load (roughly half the national median) keeps the debt-to-earnings ratio reasonable at 0.47.

The troubling part is what happens after graduation. Earnings drop 19% by year four to just under $21,000, suggesting graduates may struggle to find career-track positions that leverage their degree. Serving a predominantly Pell-eligible student body (76%), this program offers access to higher education for students who might otherwise have limited options, but parents should recognize the economic reality: this degree may function more as credential for general employment than a pathway to psychology-specific careers.

For families considering this program, the question is whether you're comparing it to other Puerto Rico options (where it performs well) or mainland opportunities. The small sample size adds uncertainty, but if staying on the island is the plan and alternatives are limited, the low debt provides some cushion. Just know that career advancement will likely require additional education or relocation to achieve higher earnings.

Where Pontifical Catholic University of Puerto Rico-Arecibo Stands

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

Pontifical Catholic University of Puerto Rico-AreciboOther 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 Pontifical Catholic University of Puerto Rico-Arecibo graduates compare to all programs nationally

Pontifical Catholic University of Puerto Rico-Arecibo graduates earn $26k, placing them in the 11th 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 Puerto Rico

Psychology bachelors's programs at peer institutions in Puerto Rico (20 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Pontifical Catholic University of Puerto Rico-Arecibo$26,047$20,965$12,2500.47
Pontifical Catholic University of Puerto Rico-Ponce$26,047$20,965$12,2500.47
Universidad Ana G. Mendez-Carolina Campus$25,187$26,762$28,2501.12
Universidad Ana G. Mendez-Cupey Campus$19,063$20,386$16,7660.88
Universidad Ana G. Mendez-Gurabo Campus$17,709$23,116$10,5160.59
University of Puerto Rico-Rio Piedras$10,082$22,761$5,5000.55
National Median$31,482$25,5000.81

Other Psychology Programs in Puerto Rico

Compare tuition, earnings, and debt across Puerto Rico schools

SchoolIn-State TuitionEarnings (1yr)Debt
Pontifical Catholic University of Puerto Rico-Ponce
Ponce
$6,340$26,047$12,250
Universidad Ana G. Mendez-Carolina Campus
Carolina
$6,920$25,187$28,250
Universidad Ana G. Mendez-Cupey Campus
San Juan
$6,920$19,063$16,766
Universidad Ana G. Mendez-Gurabo Campus
Gurabo
$6,920$17,709$10,516
University of Puerto Rico-Rio Piedras
San Juan
$5,324$10,082$5,500

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 Pontifical Catholic University of Puerto Rico-Arecibo, approximately 76% 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 16 graduates with reported earnings and 81 graduates with debt data. Small samples may not be representative.