Analysis
Saint Mary's College psychology graduates start at just $28,000—well below both national and California medians for the program—but their earnings trajectory tells a more optimistic story. By year four, median pay reaches $44,000, representing 57% growth that outpaces many peer programs. This kind of earnings acceleration suggests graduates are successfully transitioning into better-paying roles, though it takes time to get there.
The initial low earnings create real financial strain. With nearly $27,000 in debt and first-year pay barely covering basic expenses in the Bay Area, recent graduates will face tight budgets. Ranking in just the 40th percentile among California psychology programs means half of comparable programs deliver stronger immediate outcomes. The state data shows a clear gap between Saint Mary's and top performers like University of Massachusetts Global or Santa Clara, where graduates earn $10-12,000 more right out of the gate.
This program makes sense for students who can weather the lean early years and have clear plans for leveraging psychology toward specific careers—HR, social services, or graduate school. The strong growth pattern indicates doors do open with time. But families banking on quick financial independence or who need to minimize debt burden should think carefully about whether starting this far behind California peers is worth the premium of a private college education.
Where Saint Mary's College of California Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How Saint Mary's College of California 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 |
|---|---|---|---|
| Saint Mary's College of California | $28,018 | $43,939 | +57% |
| 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)
Scroll to see more →
| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $56,134 | $28,018 | $43,939 | $26,998 | 0.96 | |
| $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 Saint Mary's College of California, approximately 24% 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 43 graduates with debt data. Small samples may not be representative.