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
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| 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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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $8,769 | $30,366 | $42,690 | $26,000 | 0.86 | |
| $7,410 | $48,299 | $41,272 | $19,462 | 0.40 | |
| — | $43,574 | — | $28,914 | 0.66 | |
| $7,352 | $39,868 | $41,004 | $11,700 | 0.29 | |
| $7,630 | $39,188 | $40,013 | $29,050 | 0.74 | |
| $21,810 | $38,918 | $37,736 | $20,500 | 0.53 | |
| National Median | — | $31,482 | — | $25,500 | 0.81 |
Career Paths
Occupations commonly associated with psychology graduates
Industrial-Organizational Psychologists
Clinical and Counseling Psychologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Psychology Teachers, Postsecondary
Managers, All Other
Loss Prevention Managers
Social Science Research Assistants
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.