Median Earnings (1yr)
$31,351
49th percentile (40th in NY)
Median Debt
$20,830
18% below national median
Debt-to-Earnings
0.66
Manageable
Sample Size
365
Adequate data

Analysis

University at Buffalo's psychology program stands out for its exceptional earnings growth, with graduates seeing a 44% salary increase from $31,351 to $45,154 between their first and fourth years post-graduation. This trajectory significantly outpaces typical psychology programs and suggests strong alumni networks or career services that help graduates advance into better-paying positions over time.

The financial picture is reasonable despite below-average starting salaries. With $20,830 in median debt—notably lower than both the national ($25,500) and New York state ($25,000) averages for psychology programs—students graduate with manageable financial obligations. The debt-to-earnings ratio of 0.66 means most graduates can realistically handle their loan payments, even with the modest starting salary that ranks in the 40th percentile among New York psychology programs.

While UB's psychology graduates don't command top starting salaries compared to elite programs like CUNY's Graduate School ($48,299), the combination of lower debt and strong earnings growth creates a solid value proposition. The robust sample size gives confidence in these outcomes, and for families seeking an affordable path to a psychology degree with genuine career advancement potential, this program delivers practical value over marketing prestige.

Where University at Buffalo Stands

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

University at BuffaloOther 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 University at Buffalo graduates compare to all programs nationally

University at Buffalo graduates earn $31k, placing them in the 49th 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
University at Buffalo$31,351$45,154$20,8300.66
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 University at Buffalo, approximately 32% 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 365 graduates with reported earnings and 550 graduates with debt data. Small samples may not be representative.