Median Earnings (1yr)
$24,455
5th percentile (25th in NY)
Median Debt
$25,000
2% below national median
Debt-to-Earnings
1.02
Elevated
Sample Size
26
Limited data

Analysis

St. Francis College's psychology program shows troubling first-year outcomes that improve substantially over time, but the small sample size here demands serious caution before drawing conclusions. That initial $24,455 salary ranks in just the 5th percentile nationally—nearly $7,000 below the national median—and even within New York's competitive market, it lands at only the 25th percentile. While earnings jump 52% by year four to $37,273, that growth may reflect survivorship bias in such a small data set rather than predictable career progression.

The $25,000 debt load equals the state median and sits slightly below the national average, which initially seems manageable. However, when first-year earnings are that low, even typical debt becomes problematic—the 1.02 debt-to-earnings ratio means graduates start underwater, owing more than they earn. Compare this to top-performing New York psychology programs like CUNY Graduate School ($48,299) or CUNY Medgar Evers ($39,868), where graduates earn 60-97% more right out of college.

The limited sample size is the critical asterisk here. With fewer than 30 graduates tracked, these numbers could swing dramatically with just a few different outcomes. For a program serving many Pell recipients (47% of students), the financial risk is real: that first-year salary makes loan repayment genuinely difficult. Unless your child has specific connections to St. Francis's Brooklyn network or substantial financial cushioning, the more established CUNY psychology programs offer clearer value.

Where St. Francis College Stands

Earnings vs. debt across all psychology bachelors's programs nationally

St. Francis CollegeOther 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 St. Francis College graduates compare to all programs nationally

St. Francis College graduates earn $24k, placing them in the 5th 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 New York

Psychology bachelors's programs at peer institutions in New York (92 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
St. Francis College$24,455$37,273$25,0001.02
CUNY Graduate School and University Center$48,299$41,272$19,4620.40
Excelsior University$43,574—$28,9140.66
CUNY Medgar Evers College$39,868$41,004$11,7000.29
Empire State University$39,188$40,013$29,0500.74
Touro University$38,918$37,736$20,5000.53
National Median$31,482—$25,5000.81

Other Psychology Programs in New York

Compare tuition, earnings, and debt across New York schools

SchoolIn-State TuitionEarnings (1yr)Debt
CUNY Graduate School and University Center
New York
$7,410$48,299$19,462
Excelsior University
Albany
—$43,574$28,914
CUNY Medgar Evers College
Brooklyn
$7,352$39,868$11,700
Empire State University
Saratoga Springs
$7,630$39,188$29,050
Touro University
New York
$21,810$38,918$20,500

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 St. Francis College, approximately 47% 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 26 graduates with reported earnings and 25 graduates with debt data. Small samples may not be representative.