Analysis
A University of South Alabama psychology degree starts rough but shows significant momentum—graduates earn just $23,700 in their first year, ranking in the bottom 5% nationally, but by year four that figure jumps nearly 50% to $34,807. This trajectory matters because the debt burden of $25,949 becomes much more manageable as earnings climb. What's particularly interesting is the state context: while this program ranks poorly against national psychology programs, it sits at the 40th percentile within Alabama, suggesting the weak first-year number reflects broader regional wage patterns rather than program-specific issues.
The real question is whether families can weather that difficult first year. A debt-to-earnings ratio of 1.09 means graduates initially owe more than they earn annually, which creates tight financial quarters early on. However, the strong earnings growth suggests graduates are finding their footing relatively quickly—by year four, they're earning above both state and national medians for psychology majors. This pattern likely reflects graduates starting in entry-level social services or retail positions before transitioning into better-paying roles that leverage their degree.
For families, this means planning for a challenging transition period after graduation. If your student can live at home or maintain low expenses during those first couple years while building experience, the investment can pay off. But if they'll need to make full loan payments immediately while covering rent in a separate city, those early years could be financially stressful.
Where University of South Alabama Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How University of South Alabama 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 South Alabama | $23,700 | $34,807 | +47% |
| Auburn University | $27,606 | $42,855 | +55% |
| Alabama A & M University | $26,504 | $41,597 | +57% |
| Auburn University at Montgomery | $30,538 | $40,311 | +32% |
| Birmingham-Southern College | $27,383 | $39,668 | +45% |
Compare to Similar Programs in Alabama
Psychology bachelors's programs at peer institutions in Alabama (24 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $9,676 | $23,700 | $34,807 | $25,949 | 1.09 | |
| — | $34,324 | $32,271 | $27,000 | 0.79 | |
| $9,792 | $31,479 | $35,956 | $31,207 | 0.99 | |
| $9,436 | $30,538 | $40,311 | $26,800 | 0.88 | |
| $8,832 | $30,132 | $37,691 | $27,000 | 0.90 | |
| $11,900 | $29,245 | $39,261 | $25,000 | 0.85 | |
| 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 South Alabama, approximately 37% 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 75 graduates with reported earnings and 109 graduates with debt data. Small samples may not be representative.