Analysis
University of San Francisco's psychology graduates earn significantly more than their peers at most California schools, though they're not quite at the top of the state's range. With first-year earnings of $36,734 that jump to $53,096 by year four—a 45% increase—these graduates are clearly finding career traction in the Bay Area's competitive job market. That places them in the 88th percentile nationally and the 60th percentile statewide, a distinction that matters since California's psychology programs are generally stronger than the national average.
The $24,315 median debt sits below the national average and is manageable relative to first-year earnings, though it's slightly higher than California's median for psychology programs. The 0.66 debt-to-earnings ratio means graduates owe less than their first year's salary, which is reasonable for a field not known for high starting pay. The strong earnings growth suggests USF's San Francisco location and alumni network are helping graduates move beyond entry-level positions relatively quickly.
For families considering USF, the key question is whether the San Francisco premium justifies attending over a UC or CSU option. The earnings trajectory here is genuinely impressive for psychology, but you're paying private school tuition for outcomes that are good—not exceptional—within California. If your child plans to work in the Bay Area and values smaller class sizes, this is a defensible choice. If staying in California with lower debt is the priority, you can find comparable outcomes elsewhere.
Where University of San Francisco Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of San Francisco 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 San Francisco | $36,734 | $53,096 | +45% |
| Santa Clara University | $38,587 | $58,545 | +52% |
| University of the Pacific | $23,077 | $57,652 | +150% |
| University of Southern California | $34,139 | $55,156 | +62% |
| University of San Diego | $35,595 | $55,078 | +55% |
Compare to Similar Programs in California
Psychology bachelors's programs at peer institutions in California (84 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $58,222 | $36,734 | $53,096 | $24,315 | 0.66 | |
| $12,520 | $40,726 | $51,379 | $26,703 | 0.66 | |
| $20,844 | $39,596 | — | $40,645 | 1.03 | |
| $59,241 | $38,587 | $58,545 | $17,667 | 0.46 | |
| $13,160 | $38,524 | $36,510 | $43,875 | 1.14 | |
| $13,320 | $38,523 | $54,307 | $31,250 | 0.81 | |
| 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 San Francisco, 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 101 graduates with reported earnings and 145 graduates with debt data. Small samples may not be representative.