Median Earnings (1yr)
$38,396
95th percentile (60th in MN)
Median Debt
$27,000
6% above national median
Debt-to-Earnings
0.70
Manageable
Sample Size
43
Adequate data

Analysis

University of St. Thomas charges private-school tuition for its psychology program, but graduates earn substantially more than most of their peers nationwide—landing in the 95th percentile when compared to all psychology bachelor's programs. First-year earnings of $38,396 beat the national median by $7,000, with strong continued growth to over $51,000 by year four. The $27,000 debt burden sits right at the national average, making the debt-to-earnings ratio (0.70) quite manageable.

The state comparison offers important perspective. While St. Thomas outperforms nationally, it ranks only at the 60th percentile among Minnesota's 31 psychology programs. Several schools—including College of Saint Benedict and Metropolitan State—place graduates into slightly higher-paying positions. However, St. Thomas still beats the Minnesota median and maintains that impressive earnings trajectory, suggesting its career services or alumni network may provide advantages that compound over time.

For an 85% admission rate school serving primarily middle-class students (only 20% receive Pell grants), this program delivers reliable outcomes. Psychology majors often struggle with low initial earnings, but St. Thomas graduates start well above water and see meaningful salary growth. If your child is committed to psychology and St. Thomas is affordable without excessive borrowing beyond the $27,000 median, this program offers a safer bet than most psychology degrees—just know they're not getting the absolute best value Minnesota offers in this field.

Where University of St Thomas Stands

Earnings vs. debt across all psychology bachelors's programs nationally

University of St ThomasOther psychology programs

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 St Thomas graduates compare to all programs nationally

University of St Thomas graduates earn $38k, placing them in the 95th 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 Minnesota

Psychology bachelors's programs at peer institutions in Minnesota (31 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of St Thomas$38,396$51,174$27,0000.70
College of Saint Benedict$41,029$45,302$27,0000.66
Metropolitan State University$40,958$44,425$30,1550.74
Capella University$39,764$43,554$40,8161.03
University of Minnesota-Duluth$38,543$45,061$24,2250.63
Walden University$37,944$41,079$52,7811.39
National Median$31,482—$25,5000.81

Other Psychology Programs in Minnesota

Compare tuition, earnings, and debt across Minnesota schools

SchoolIn-State TuitionEarnings (1yr)Debt
College of Saint Benedict
Saint Joseph
$53,884$41,029$27,000
Metropolitan State University
Saint Paul
$9,780$40,958$30,155
Capella University
Minneapolis
$14,436$39,764$40,816
University of Minnesota-Duluth
Duluth
$14,318$38,543$24,225
Walden University
Minneapolis
$12,498$37,944$52,781

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 St Thomas, approximately 20% 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 43 graduates with reported earnings and 63 graduates with debt data. Small samples may not be representative.