Analysis
UMSL's psychology program sits squarely in the middle of national outcomes but trails most Missouri competitors—a gap that matters if you're paying in-state tuition. Graduates here earn $31,663 in their first year, essentially matching the national median but falling below the state average of $32,224. More concerning: this ranks in just the 40th percentile among Missouri programs, meaning six out of ten psychology programs in the state deliver better earnings. Meanwhile, the top five programs in Missouri all produce graduates earning $35,000-$37,000—roughly $4,000 to $5,000 more annually.
The financial picture improves somewhat with time, as earnings grow 25% to reach $39,445 by year four. The debt load of $22,977 is actually lower than both state and national medians, creating a manageable 0.73 debt-to-earnings ratio. This means graduates start with less than a year's salary in debt, which is reasonable for a social science degree. Still, you're essentially paying for middle-of-the-pack outcomes in a state where several alternatives consistently outperform.
For families choosing between Missouri schools, this program represents safety over upside. If your student can gain admission to Avila, Rockhurst, or Central Methodist—all showing stronger first-year earnings—those merit serious consideration. UMSL works if affordability is the top priority and the lower debt matters more than the earning differential.
Where University of Missouri-St Louis Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of Missouri-St Louis 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 Missouri-St Louis | $31,663 | $39,445 | +25% |
| Saint Louis University | $34,295 | $48,468 | +41% |
| Avila University | $36,957 | $44,838 | +21% |
| University of Missouri-Columbia | $33,794 | $44,511 | +32% |
| Rockhurst University | $36,152 | $44,389 | +23% |
Compare to Similar Programs in Missouri
Psychology bachelors's programs at peer institutions in Missouri (39 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $13,440 | $31,663 | $39,445 | $22,977 | 0.73 | |
| $38,672 | $36,957 | $44,838 | $31,000 | 0.84 | |
| $27,140 | $36,323 | $36,984 | $25,230 | 0.69 | |
| $6,960 | $36,323 | $36,984 | $25,230 | 0.69 | |
| $43,420 | $36,152 | $44,389 | $25,000 | 0.69 | |
| $24,326 | $35,685 | $36,673 | $29,300 | 0.82 | |
| 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 Missouri-St Louis, approximately 18% 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 170 graduates with reported earnings and 222 graduates with debt data. Small samples may not be representative.