Analysis
UNC Pembroke's psychology program starts its graduates at just over $28,000—about 10% below the national median and 4% below North Carolina's typical earnings for psychology majors. While that puts this program in the 40th percentile statewide (middle of the pack among NC's 51 psychology programs), the early earnings lag is notable when you consider that graduates carry $25,376 in debt. The debt burden is reasonable compared to other psychology programs, but that 0.90 debt-to-earnings ratio means graduates face nearly a full year's salary in loans right out of the gate.
The redeeming factor here is strong growth: earnings jump 32% by year four, reaching $37,344. That's meaningful improvement, though it's worth noting this trajectory still leaves graduates below top NC programs like Elon ($36,668) and Wake Forest ($34,823). The moderate sample size and the institution's high admission rate (92%) and Pell grant population (48%) suggest this serves students who may have limited alternatives, making the growth trajectory particularly important.
For families weighing this option, the question is whether your student can manage on $28,000 while paying down debt in those crucial first years. If they can—perhaps with parental support or by living at home—the improving earnings picture makes this workable. But families should recognize they're accepting below-average early outcomes in exchange for accessibility and eventual progression toward respectable mid-career earnings.
Where University of North Carolina at Pembroke Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of North Carolina at Pembroke 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 Pembroke | $28,209 | $37,344 | +32% |
| 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 |
|---|---|---|---|---|---|
| $3,571 | $28,209 | $37,344 | $25,376 | 0.90 | |
| $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 | — | $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 North Carolina at Pembroke, approximately 48% 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 55 graduates with reported earnings and 78 graduates with debt data. Small samples may not be representative.