Median Earnings (1yr)
$32,845
61st percentile (60th in NY)
Median Debt
$22,250
13% below national median
Debt-to-Earnings
0.68
Manageable
Sample Size
172
Adequate data

Analysis

SUNY Oneonta's psychology program stands out for what happens after that modest first year—graduates see their median earnings jump 44% by year four, reaching $47,204. That growth trajectory suggests the degree opens doors that take a few years to walk through, likely as graduates move from entry-level positions into roles requiring their bachelor's credential.

The financial picture at graduation looks manageable: $22,250 in debt against first-year earnings of $32,845 creates a debt-to-earnings ratio of 0.68, below the concerning 1.0 threshold. Among New York's 92 psychology programs, this ranks solidly in the middle (60th percentile) for earnings, performing slightly above both state and national medians. You're not getting CUNY Graduate Center outcomes, but you're also paying SUNY tuition rather than private school prices.

The key question is whether your child can weather those early years. Psychology majors often need graduate education or work experience to reach higher earnings, and this program's trajectory confirms that pattern. For families who can manage the initial financial squeeze—or whose student plans to pursue further education anyway—the combination of reasonable debt and strong earnings growth makes this a defensible choice within the psychology field.

Where SUNY Oneonta Stands

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

SUNY OneontaOther 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 SUNY Oneonta graduates compare to all programs nationally

SUNY Oneonta graduates earn $33k, placing them in the 61th 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
SUNY Oneonta$32,845$47,204$22,2500.68
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 SUNY Oneonta, approximately 33% 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 172 graduates with reported earnings and 237 graduates with debt data. Small samples may not be representative.