Median Earnings (1yr)
$30,366
41st percentile
40th percentile in New York
Median Debt
$26,000
2% above national median

Analysis

SUNY Oswego's psychology program starts graduates below typical entry-level pay, but here's what matters: four years out, they're earning $42,690—substantially above both the national and New York state medians. That 41% earnings jump suggests these graduates are finding pathways to better-paying positions, whether through additional credentials, career pivots, or experience-based advancement. While they don't reach the heights of CUNY's graduate-focused programs, they're tracking well ahead of where most psychology bachelor's holders land.

The $26,000 debt load sits right at national norms and is actually slightly above New York's typical $25,000, but the debt-to-earnings ratio of 0.86 is manageable—meaning graduates owe less than one year's starting salary. With strong sample size backing these numbers, this isn't a fluke. The real question is whether your student plans to pursue graduate education (which many psychology majors need for career advancement) or has a clear path to roles that value the degree.

For families comfortable with a slower financial start in exchange for solid mid-term growth, this program delivers reasonable value at a public school price point. Just understand that the first year or two may require financial support while your graduate builds toward that stronger four-year mark.

Where State University of New York at Oswego Stands

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

Earnings Distribution

How State University of New York at Oswego graduates compare to all programs nationally

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

School1 Year4 YearsGrowth
State University of New York at Oswego$30,366$42,690+41%
Cornell University$36,630$64,146+75%
Fordham University$28,256$58,590+107%
Binghamton University$30,023$58,122+94%
Ithaca College$27,814$55,104+98%

Compare to Similar Programs in New York

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

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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
State University of New York at OswegoOswego$8,769$30,366$42,690$26,0000.86
CUNY Graduate School and University CenterNew York$7,410$48,299$41,272$19,4620.40
Excelsior UniversityAlbany$43,574$28,9140.66
CUNY Medgar Evers CollegeBrooklyn$7,352$39,868$41,004$11,7000.29
Empire State UniversitySaratoga Springs$7,630$39,188$40,013$29,0500.74
Touro UniversityNew York$21,810$38,918$37,736$20,5000.53
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 State University of New York at Oswego, approximately 39% 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 190 graduates with reported earnings and 259 graduates with debt data. Small samples may not be representative.