Median Earnings (1yr)
$40,054
95th percentile (60th in MA)
Median Debt
$25,925
2% above national median
Debt-to-Earnings
0.65
Manageable
Sample Size
181
Adequate data

Analysis

UMass Lowell psychology graduates earn $40,054 in their first year—nearly $3,000 more than the Massachusetts median and a remarkable $8,500 above the national average for psychology majors. This places the program in the 95th percentile nationally, punching well above its weight given the university's 85% admission rate. The $25,925 in typical debt is essentially the national norm, creating a debt-to-earnings ratio of 0.65 that most psychology programs would envy.

The 60th percentile ranking within Massachusetts tells the real story here. Yes, elite private schools like Bentley and Boston College produce higher earners, but UMass Lowell costs dramatically less to attend. While graduates trail those top programs by $2,000-$22,000 in early earnings, they're doing so without the crushing debt loads those private institutions often require. The 11% earnings growth to $44,443 by year four suggests graduates are finding stable career paths, whether in human services, research assistance, or business roles that value behavioral science training.

For families prioritizing in-state tuition and practical outcomes over prestige, this program delivers. Your child gets above-average earning potential for psychology majors—a field notorious for modest starting salaries—without gambling on six-figure debt. The robust sample size confirms these aren't outliers; this is what typical graduates achieve.

Where University of Massachusetts-Lowell Stands

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

University of Massachusetts-LowellOther 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-Lowell graduates compare to all programs nationally

University of Massachusetts-Lowell graduates earn $40k, 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-Lowell$40,054$44,443$25,9250.65
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-Lowell, approximately 27% 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 181 graduates with reported earnings and 290 graduates with debt data. Small samples may not be representative.