Analysis
The real story here is the earnings trajectory, not the starting salary. While Stockton psychology graduates earn just $28,046 in their first year—landing them in the 22nd percentile nationally—by year four they're earning $44,103, a 57% jump that suggests graduates are finding their footing in careers that reward some experience. This matters because psychology degrees often require time to translate into stable career paths, whether that's through graduate school preparation, entry into social services, or corporate HR roles.
Within New Jersey, this program sits at the 40th percentile, trailing schools like Rider and Georgian Court by significant margins. The $24,500 debt load is reasonable relative to that first difficult year (a manageable 0.87 ratio), but parents should be realistic about what that first year looks like financially. Your child will likely need substantial support or a clear plan for that initial period when earnings barely cover living expenses.
The question is whether your child has a specific graduate school plan or career path in mind. The four-year earnings suggest this degree can work, but it requires patience and probably additional education. If they're exploring psychology as a general interest without a concrete next step, the numbers argue for considering alternatives with stronger early earnings—or being prepared to support them through a longer runway to financial independence.
Where Stockton University Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How Stockton University 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 |
|---|---|---|---|
| Stockton University | $28,046 | $44,103 | +57% |
| The College of New Jersey | $28,920 | $57,068 | +97% |
| Rider University | $38,118 | $52,513 | +38% |
| Monmouth University | $28,590 | $50,107 | +75% |
| Rutgers University-Camden | $31,280 | $49,641 | +59% |
Compare to Similar Programs in New Jersey
Psychology bachelors's programs at peer institutions in New Jersey (25 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $15,532 | $28,046 | $44,103 | $24,500 | 0.87 | |
| $38,900 | $38,118 | $52,513 | $27,000 | 0.71 | |
| $37,110 | $36,117 | $45,248 | $22,375 | 0.62 | |
| $14,766 | $33,432 | $46,064 | $25,000 | 0.75 | |
| $24,820 | $32,637 | $39,092 | $35,853 | 1.10 | |
| $15,150 | $32,418 | $44,968 | $25,000 | 0.77 | |
| 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 Stockton University, approximately 42% 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 183 graduates with reported earnings and 265 graduates with debt data. Small samples may not be representative.