Psychology at University of North Carolina at Charlotte
Bachelor's Degree
Analysis
Despite ranking below national averages, UNC Charlotte's psychology program actually outperforms most North Carolina competitors, sitting in the 60th percentile statewide versus just the 41st percentile nationally. The $30,359 starting salary trails the national median by about $1,100, but it beats the typical NC psychology graduate by nearly $1,000. More importantly, earnings jump 33% to over $40,000 by year four—solid growth that suggests graduates are finding their footing in the job market.
The debt picture tells a reassuring story. At $24,250, graduates borrow about $2,250 less than state peers and $1,250 less than the national average. Combined with that starting salary, the debt-to-earnings ratio of 0.80 means most graduates can manage their loans without major strain. While this program doesn't compete with elite private schools like Wake Forest or Elon, it delivers comparable outcomes to UNC Chapel Hill at likely much lower total cost.
For parents considering psychology programs in North Carolina, UNC Charlotte offers solid middle-tier value. Your child won't graduate with the highest earnings in the state, but they'll avoid excessive debt while attending a school that consistently places graduates into career-track positions. The strong earnings growth suggests this program prepares students well for the psychology field's longer-term career development.
Where University of North Carolina at Charlotte Stands
Earnings vs. debt across all psychology bachelors's programs nationally
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 North Carolina at Charlotte graduates compare to all programs nationally
University of North Carolina at Charlotte graduates earn $30k, placing them in the 41th 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 North Carolina
Psychology bachelors's programs at peer institutions in North Carolina (51 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| University of North Carolina at Charlotte | $30,359 | $40,332 | $24,250 | 0.80 |
| Elon University | $36,668 | $48,045 | $23,250 | 0.63 |
| Wake Forest University | $34,823 | $59,767 | $21,500 | 0.62 |
| Campbell University | $33,892 | $37,905 | $27,000 | 0.80 |
| Duke University | $33,559 | $72,857 | $15,415 | 0.46 |
| University of North Carolina at Chapel Hill | $31,804 | $46,914 | $14,253 | 0.45 |
| National Median | $31,482 | — | $25,500 | 0.81 |
Other Psychology Programs in North Carolina
Compare tuition, earnings, and debt across North Carolina schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Elon University Elon | $44,536 | $36,668 | $23,250 |
| Wake Forest University Winston-Salem | $64,758 | $34,823 | $21,500 |
| Campbell University Buies Creek | $40,410 | $33,892 | $27,000 |
| Duke University Durham | $65,805 | $33,559 | $15,415 |
| University of North Carolina at Chapel Hill Chapel Hill | $8,989 | $31,804 | $14,253 |
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 North Carolina at Charlotte, approximately 34% 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 369 graduates with reported earnings and 514 graduates with debt data. Small samples may not be representative.