Median Earnings (1yr)
$38,151
95th percentile (60th in MA)
Median Debt
$26,004
2% above national median
Debt-to-Earnings
0.68
Manageable
Sample Size
250
Adequate data

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

University of Massachusetts-BostonOther 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 of Massachusetts-Boston graduates compare to all programs nationally

University of Massachusetts-Boston graduates earn $38k, placing them in the 95th 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 Massachusetts

Psychology bachelors's programs at peer institutions in Massachusetts (52 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Massachusetts-Boston$38,151$47,468$26,0040.68
Bentley University$62,218—$25,4940.41
Boston College$44,760$59,196$18,0000.40
Williams College$43,943$57,158$13,4160.31
Endicott College$43,646$50,853$27,0000.62
College of the Holy Cross$41,099$56,085$27,0000.66
National Median$31,482—$25,5000.81

Other Psychology Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Bentley University
Waltham
$58,150$62,218$25,494
Boston College
Chestnut Hill
$67,680$44,760$18,000
Williams College
Williamstown
$64,860$43,943$13,416
Endicott College
Beverly
$39,212$43,646$27,000
College of the Holy Cross
Worcester
$60,850$41,099$27,000

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.