Analysis
Philosophy at San Francisco State follows a trajectory that should reassure parents worried about liberal arts degrees: graduates start at $28,539 but nearly double their earnings to $53,614 within four years. That 88% growth rate suggests these graduates are finding their footing in the Bay Area job market, even if the initial year looks rough. Among California's 57 philosophy programs, this lands near the middle in terms of first-year earnings, trailing the elite UCs but performing respectably given SF State's open-door mission (96% admission rate serving 41% Pell-eligible students).
The $18,000 debt load is notably lower than both the national median ($22,641) and provides decent leverage—you're borrowing less than two-thirds of that difficult first-year salary. By year four, when earnings hit $53,614, that debt becomes a much smaller percentage of income. However, parents should know that first year in expensive San Francisco will be tight, likely requiring financial support or roommates to make ends meet.
The real question is whether your child can weather that challenging first year and has the hustle to build the transferable skills—writing, analysis, critical thinking—that philosophy majors use to transition into diverse careers. If they're self-directed and comfortable with ambiguity, the four-year outlook is solid for a humanities degree. If they need immediate earning power or a clear career path, this isn't it.
Where San Francisco State University Stands
Earnings vs. debt across all philosophy bachelors's programs nationally
Earnings Distribution
How San Francisco State University 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 |
|---|---|---|---|
| San Francisco State University | $28,539 | $53,614 | +88% |
| University of California-Berkeley | $36,355 | $53,357 | +47% |
| University of California-Irvine | $20,922 | $52,707 | +152% |
| University of California-Santa Barbara | $25,303 | $48,289 | +91% |
| University of California-Riverside | $25,171 | $44,648 | +77% |
Compare to Similar Programs in California
Philosophy bachelors's programs at peer institutions in California (57 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $7,424 | $28,539 | $53,614 | $18,000 | 0.63 | |
| $68,237 | $38,380 | — | $11,491 | 0.30 | |
| $14,850 | $36,355 | $53,357 | $14,475 | 0.40 | |
| $15,247 | $32,749 | $34,146 | $13,200 | 0.40 | |
| $14,560 | $30,285 | $39,427 | $15,832 | 0.52 | |
| $13,747 | $30,182 | $43,881 | $15,000 | 0.50 | |
| National Median | — | $31,652 | — | $22,641 | 0.72 |
Career Paths
Occupations commonly associated with philosophy graduates
Natural Sciences Managers
Clinical Research Coordinators
Mathematicians
Mathematical Science Teachers, Postsecondary
Philosophy and Religion Teachers, Postsecondary
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 San Francisco State University, approximately 41% 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 45 graduates with debt data. Small samples may not be representative.