Analysis
The University of Florida's psychology program demonstrates an unusual pattern that challenges typical assumptions about prestige and outcomes. Despite UF's high selectivity (24% admission rate, 1400 SAT average), graduates earn just $26,003 in their first year—well below the national median of $31,482 and ranking in the 10th percentile nationally. At 40th percentile statewide, it trails less selective Florida schools like Saint Leo University ($36,139) and University of South Florida ($32,438) by substantial margins.
The trajectory improves dramatically by year four, when median earnings nearly double to $46,888, suggesting many graduates pursue additional education or face delayed career entry typical of psychology majors. However, that initial earning period matters enormously for debt repayment. While UF's $16,897 debt load is relatively modest compared to private alternatives, it still represents 65% of first-year earnings—a tight squeeze when starting salaries barely cover living expenses. For context, the program ranks in the 95th percentile nationally for favorable debt levels, yet the low initial earnings offset much of that advantage.
If your child is committed to psychology and plans for graduate school anyway, UF's low debt and strong year-four earnings growth make it workable. But families expecting immediate financial return from a prestigious bachelor's degree should understand this program underperforms both state and national benchmarks initially. The value proposition hinges entirely on what happens after graduation—whether that's grad school, career pivots, or time to find the right role.
Where University of Florida Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of Florida 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 |
|---|---|---|---|
| University of Florida | $26,003 | $46,888 | +80% |
| University of Miami | $30,417 | $47,513 | +56% |
| University of Florida-Online | $26,003 | $46,888 | +80% |
| Florida State University | $30,140 | $44,481 | +48% |
| Florida Gulf Coast University | $30,367 | $43,031 | +42% |
Compare to Similar Programs in Florida
Psychology bachelors's programs at peer institutions in Florida (44 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $6,381 | $26,003 | $46,888 | $16,897 | 0.65 | |
| $14,180 | $39,980 | — | $24,562 | 0.61 | |
| $28,360 | $36,139 | $35,931 | $32,461 | 0.90 | |
| $37,990 | $35,403 | $39,584 | $25,281 | 0.71 | |
| $6,410 | $32,438 | $40,991 | $21,267 | 0.66 | |
| $24,136 | $32,346 | $35,291 | $49,688 | 1.54 | |
| 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 University of Florida, approximately 22% 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 292 graduates with reported earnings and 314 graduates with debt data. Small samples may not be representative.