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
Earnings Distribution
How University of Massachusetts-Lowell 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-Lowell | $40,054 | $44,443 | +11% |
| 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 |
|---|---|---|---|---|---|
| $16,570 | $40,054 | $44,443 | $25,925 | 0.65 | |
| $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-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.