Median Earnings (1yr)
$27,563
20th percentile (40th in FL)
Median Debt
$17,915
30% below national median
Debt-to-Earnings
0.65
Manageable
Sample Size
58
Adequate data

Analysis

University of West Florida's psychology program starts graduates at just $27,563—well below both Florida's $29,702 median and the national average. That initial gap matters because first jobs often set career trajectories, and UWF ranks in only the 20th percentile nationally. Even within Florida's competitive psychology market, this program sits at the 40th percentile, trailing state peers like USF and Palm Beach Atlantic by $5,000-$8,000 annually.

The silver lining is modest debt ($17,915, among the lowest nationally) and decent earnings growth—27% by year four brings graduates to $35,020. That's a faster climb than many psychology programs see. But here's the reality check: even after four years of gains, graduates still earn less than what many Florida psychology programs pay in year one. The low debt softens the blow somewhat, keeping the debt-to-earnings ratio manageable, but it doesn't offset the opportunity cost of starting significantly behind peers.

For families weighing this program, understand that the below-average earnings aren't just a first-year adjustment—they persist throughout the early career window. If your student is committed to psychology and values UWF's environment or has financial constraints that make the low debt crucial, it's workable. But if graduate school isn't part of the plan and early earning power matters, Florida has stronger psychology options at similar or only slightly higher costs.

Where University of West Florida Stands

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

University of West FloridaOther 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 West Florida graduates compare to all programs nationally

University of West Florida graduates earn $28k, placing them in the 20th 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 Florida

Psychology bachelors's programs at peer institutions in Florida (44 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of West Florida$27,563$35,020$17,9150.65
Trinity International University-Florida$39,980$24,5620.61
Saint Leo University$36,139$35,931$32,4610.90
Palm Beach Atlantic University$35,403$39,584$25,2810.71
University of South Florida$32,438$40,991$21,2670.66
Keiser University-Ft Lauderdale$32,346$35,291$49,6881.54
National Median$31,482$25,5000.81

Other Psychology Programs in Florida

Compare tuition, earnings, and debt across Florida schools

SchoolIn-State TuitionEarnings (1yr)Debt
Trinity International University-Florida
Miami
$14,180$39,980$24,562
Saint Leo University
Saint Leo
$28,360$36,139$32,461
Palm Beach Atlantic University
West Palm Beach
$37,990$35,403$25,281
University of South Florida
Tampa
$6,410$32,438$21,267
Keiser University-Ft Lauderdale
Fort Lauderdale
$24,136$32,346$49,688

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 West Florida, approximately 33% 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 58 graduates with reported earnings and 81 graduates with debt data. Small samples may not be representative.