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 fourβsolid 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
Earnings Distribution
How University of North Carolina at Charlotte 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 North Carolina at Charlotte | $30,359 | $40,332 | +33% |
| Duke University | $33,559 | $72,857 | +117% |
| Wake Forest University | $34,823 | $59,767 | +72% |
| Elon University | $36,668 | $48,045 | +31% |
| University of North Carolina at Chapel Hill | $31,804 | $46,914 | +48% |
Compare to Similar Programs in North Carolina
Psychology bachelors's programs at peer institutions in North Carolina (51 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $7,214 | $30,359 | $40,332 | $24,250 | 0.80 | |
| $44,536 | $36,668 | $48,045 | $23,250 | 0.63 | |
| $64,758 | $34,823 | $59,767 | $21,500 | 0.62 | |
| $40,410 | $33,892 | $37,905 | $27,000 | 0.80 | |
| $65,805 | $33,559 | $72,857 | $15,415 | 0.46 | |
| $8,989 | $31,804 | $46,914 | $14,253 | 0.45 | |
| National Median | β | $31,482 | β | $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 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.