Median Earnings (1yr)
$28,539
36th percentile (40th in CA)
Median Debt
$18,000
20% below national median
Debt-to-Earnings
0.63
Manageable
Sample Size
33
Adequate data

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

San Francisco State UniversityOther philosophy 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 San Francisco State University graduates compare to all programs nationally

San Francisco State University graduates earn $29k, placing them in the 36th percentile of all philosophy 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

Philosophy bachelors's programs at peer institutions in California (57 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
San Francisco State University$28,539$53,614$18,0000.63
University of Southern California$38,380—$11,4910.30
University of California-Berkeley$36,355$53,357$14,4750.40
University of California-Davis$32,749$34,146$13,2000.40
University of California-Santa Cruz$30,285$39,427$15,8320.52
University of California-Los Angeles$30,182$43,881$15,0000.50
National Median$31,652—$22,6410.72

Other Philosophy Programs in California

Compare tuition, earnings, and debt across California schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Southern California
Los Angeles
$68,237$38,380$11,491
University of California-Berkeley
Berkeley
$14,850$36,355$14,475
University of California-Davis
Davis
$15,247$32,749$13,200
University of California-Santa Cruz
Santa Cruz
$14,560$30,285$15,832
University of California-Los Angeles
Los Angeles
$13,747$30,182$15,000

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.