Median Earnings (1yr)
$28,018
22nd percentile (40th in CA)
Median Debt
$26,998
6% above national median
Debt-to-Earnings
0.96
Manageable
Sample Size
33
Adequate data

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

Saint Mary's College of CaliforniaOther 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 Saint Mary's College of California graduates compare to all programs nationally

Saint Mary's College of California graduates earn $28k, placing them in the 22th 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
Saint Mary's College of California$28,018$43,939$26,9980.96
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 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.