Median Earnings (1yr)
$31,280
48th percentile
60th percentile in New Jersey
Median Debt
$25,000
2% below national median

Analysis

Rutgers-Newark's psychology program delivers solid value with impressive earnings growth, though starting salaries are modest. While graduates earn $31,280 in their first year—essentially matching the national average—their earnings jump 59% to nearly $50,000 by year four. This growth trajectory significantly outpaces typical psychology programs and suggests the degree opens doors to better-paying positions over time.

The financial picture is reasonable for a psychology degree. At $25,000 in median debt, graduates face a manageable debt-to-earnings ratio of 0.80, meaning they owe less than one year's starting salary. More importantly, this program ranks in the 60th percentile among New Jersey psychology programs, performing notably better than the state median of $29,982. With an accessible 79% admission rate and over half of students receiving Pell grants, it serves a diverse student body without compromising outcomes.

However, parents should understand that psychology typically requires graduate school for higher-paying career paths. The strong earnings growth suggests this program prepares students well for that next step or for entry-level positions that offer advancement potential. Given Rutgers' reputation and this program's above-average performance within New Jersey, it represents a solid investment for students committed to psychology, especially considering the reasonable debt load relative to earning potential.

Where Rutgers University-Newark Stands

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

Earnings Distribution

How Rutgers University-Newark graduates compare to all programs nationally

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

School1 Year4 YearsGrowth
Rutgers University-Newark$31,280$49,641+59%
The College of New Jersey$28,920$57,068+97%
Rider University$38,118$52,513+38%
Monmouth University$28,590$50,107+75%
Rutgers University-Camden$31,280$49,641+59%

Compare to Similar Programs in New Jersey

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

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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Rutgers University-NewarkNewark$16,586$31,280$49,641$25,0000.80
Rider UniversityLawrenceville$38,900$38,118$52,513$27,0000.71
Georgian Court UniversityLakewood$37,110$36,117$45,248$22,3750.62
Montclair State UniversityMontclair$14,766$33,432$46,064$25,0000.75
Pillar CollegeNewark$24,820$32,637$39,092$35,8531.10
William Paterson University of New JerseyWayne$15,150$32,418$44,968$25,0000.77
National Median$31,482$25,5000.81

Career Paths

Occupations commonly associated with psychology graduates

Industrial-Organizational Psychologists

Apply principles of psychology to human resources, administration, management, sales, and marketing problems. Activities may include policy planning; employee testing and selection, training, and development; and organizational development and analysis. May work with management to organize the work setting to improve worker productivity.

$94,310/yrJobs growth:

Clinical and Counseling Psychologists

Assess, diagnose, and treat mental and emotional disorders of individuals through observation, interview, and psychological tests. Help individuals with distress or maladjustment understand their problems through their knowledge of case history, interviews with patients, and theory. Provide individual or group counseling services to assist individuals in achieving more effective personal, social, educational, and vocational development and adjustment. May design behavior modification programs and consult with medical personnel regarding the best treatment for patients.

$94,310/yrJobs growth:

Psychologists, All Other

All psychologists not listed separately.

$94,310/yrJobs growth:

Neuropsychologists

Apply theories and principles of neuropsychology to evaluate and diagnose disorders of higher cerebral functioning, often in research and medical settings. Study the human brain and the effect of physiological states on human cognition and behavior. May formulate and administer programs of treatment.

$94,310/yrJobs growth:

Clinical Neuropsychologists

Assess and diagnose patients with neurobehavioral problems related to acquired or developmental disorders of the nervous system, such as neurodegenerative disorders, traumatic brain injury, seizure disorders, and learning disabilities. Recommend treatment after diagnosis, such as therapy, medication, or surgery. Assist with evaluation before and after neurosurgical procedures, such as deep brain stimulation.

$94,310/yrJobs growth:

Psychology Teachers, Postsecondary

Teach courses in psychology, such as child, clinical, and developmental psychology, and psychological counseling. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Managers, All Other

All managers not listed separately.

Loss Prevention Managers

Plan and direct policies, procedures, or systems to prevent the loss of assets. Determine risk exposure or potential liability, and develop risk control measures.

Social Science Research Assistants

Assist social scientists in laboratory, survey, and other social science research. May help prepare findings for publication and assist in laboratory analysis, quality control, or data management.

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 Rutgers University-Newark, 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 924 graduates with reported earnings and 1350 graduates with debt data. Small samples may not be representative.