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
Earnings Distribution
How University of West Florida 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 West Florida | $27,563 | $35,020 | +27% |
| University of Miami | $30,417 | $47,513 | +56% |
| University of Florida-Online | $26,003 | $46,888 | +80% |
| University of Florida | $26,003 | $46,888 | +80% |
| Florida State University | $30,140 | $44,481 | +48% |
Compare to Similar Programs in Florida
Psychology bachelors's programs at peer institutions in Florida (44 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $6,360 | $27,563 | $35,020 | $17,915 | 0.65 | |
| $14,180 | $39,980 | — | $24,562 | 0.61 | |
| $28,360 | $36,139 | $35,931 | $32,461 | 0.90 | |
| $37,990 | $35,403 | $39,584 | $25,281 | 0.71 | |
| $6,410 | $32,438 | $40,991 | $21,267 | 0.66 | |
| $24,136 | $32,346 | $35,291 | $49,688 | 1.54 | |
| 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 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.