Median Earnings (1yr)
$28,018
22nd percentile
40th percentile in California
Median Debt
$26,998
6% above national median

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

School1 Year4 YearsGrowth
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)

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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Saint Mary's College of CaliforniaMoraga$56,134$28,018$43,939$26,9980.96
University of Massachusetts GlobalAliso Viejo$12,520$40,726$51,379$26,7030.66
The Chicago School at Los AngelesLos Angeles$20,844$39,596$40,6451.03
Santa Clara UniversitySanta Clara$59,241$38,587$58,545$17,6670.46
Ashford UniversitySan Diego$13,160$38,524$36,510$43,8751.14
National UniversitySan Diego$13,320$38,523$54,307$31,2500.81
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 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.