Analysis
UMass Boston's psychology program dramatically outperforms national expectations—graduates earn $38,151 in their first year, placing them in the 95th percentile nationally and nearly $7,000 above the typical psychology BA. This is impressive for an accessible public university where 43% of students receive Pell grants and the admission rate tops 80%. The debt load of $26,004 translates to a manageable 0.68 ratio, meaning graduates earn enough in year one to cover about 1.5 times their debt burden.
The Massachusetts context adds nuance: while UMass Boston ranks in the 60th percentile statewide, you're comparing it against programs at Bentley ($62,218) and Boston College ($44,760) that serve very different student populations. Among accessible public options in the state, these outcomes stand out. The 24% earnings growth to $47,468 by year four suggests solid career progression, likely reflecting Boston's concentration of healthcare, research, and social services employers that value psychology degrees.
For families weighing this program, the value proposition is clear: you're getting near-elite outcomes at a fraction of the cost and selectivity. If your child is interested in psychology and Massachusetts employment, this represents one of the stronger returns on investment available for this major nationwide. The Boston location matters here—it's not just about the degree, but about proximity to industries that actually hire psychology graduates at competitive wages.
Where University of Massachusetts-Boston Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of Massachusetts-Boston 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 Massachusetts-Boston | $38,151 | $47,468 | +24% |
| Boston College | $44,760 | $59,196 | +32% |
| Williams College | $43,943 | $57,158 | +30% |
| College of the Holy Cross | $41,099 | $56,085 | +36% |
| University of Massachusetts-Amherst | $32,223 | $53,442 | +66% |
Compare to Similar Programs in Massachusetts
Psychology bachelors's programs at peer institutions in Massachusetts (52 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $15,496 | $38,151 | $47,468 | $26,004 | 0.68 | |
| $58,150 | $62,218 | — | $25,494 | 0.41 | |
| $67,680 | $44,760 | $59,196 | $18,000 | 0.40 | |
| $64,860 | $43,943 | $57,158 | $13,416 | 0.31 | |
| $39,212 | $43,646 | $50,853 | $27,000 | 0.62 | |
| $60,850 | $41,099 | $56,085 | $27,000 | 0.66 | |
| 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 Massachusetts-Boston, approximately 43% 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 250 graduates with reported earnings and 274 graduates with debt data. Small samples may not be representative.