Analysis
UMass Dartmouth's psychology program occupies an unusual middle ground: it significantly outperforms most psychology programs nationally (86th percentile) while landing squarely in the middle of Massachusetts schools (40th percentile). That state context matters because your child will be competing for jobs with graduates from schools like Williams and Boston College, where psychology majors earn substantially more. The $27,000 in debt is manageable—below both national and state averages—but the first-year salary of $36,382 trails the state median and sits well below the elite private schools that dominate Massachusetts.
The earnings trajectory offers some reassurance, with graduates seeing 25% salary growth to $45,292 by year four. That's solid progress for a social science degree and suggests the program prepares students for career advancement. The debt-to-earnings ratio of 0.74 is reasonable, meaning graduates can realistically manage their loans without financial strain. For a school with a 92% admission rate serving a substantial Pell grant population, these outcomes demonstrate real value.
The calculation here depends on cost: if your child qualifies for in-state tuition and graduates with that $27,000 debt load, this represents a sensible path into psychology. But if they're considering more expensive options or could access the state's higher-performing programs, those alternatives warrant serious consideration given the salary differences in the Massachusetts market.
Where University of Massachusetts-Dartmouth Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of Massachusetts-Dartmouth 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-Dartmouth | $36,382 | $45,292 | +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 |
|---|---|---|---|---|---|
| $15,208 | $36,382 | $45,292 | $27,000 | 0.74 | |
| $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-Dartmouth, approximately 36% 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 158 graduates with reported earnings and 205 graduates with debt data. Small samples may not be representative.