Median Earnings (1yr)
$30,366
41st percentile (40th in NY)
Median Debt
$26,000
2% above national median
Debt-to-Earnings
0.86
Manageable
Sample Size
190
Adequate data

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

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

State University of New York at Oswego graduates earn $30k, placing them in the 41th 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
State University of New York at Oswego$30,366$42,690$26,0000.86
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 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.