Median Earnings (1yr)
$31,695
30th percentile (25th in NY)
Median Debt
$26,000
21% above national median
Debt-to-Earnings
0.82
Manageable
Sample Size
41
Adequate data

Analysis

Utica University's psychology graduates earn significantly less than their peers across New York State. At $31,695 in the first year, they're making about $7,000 below the state median and landing in the bottom quarter of all New York psychology programs. Even four years out, when earnings reach $38,952, they've barely caught up to what the typical New York psychology graduate makes right after graduation. This is particularly stark given that students carry $26,000 in debt—more than both state and national averages for this field.

The relatively low debt burden (19th percentile nationally) offers some silver lining, keeping the debt-to-earnings ratio manageable at 0.82. The 23% earnings growth shows graduates do make progress over time. However, starting nearly $7,000 behind state peers means playing catch-up for years, and the gap to top-performing New York programs like Columbia or Barnard is substantial.

For families considering this program, understand that you're looking at below-average outcomes in a competitive state market. The debt is manageable, but the earnings lag suggests graduates may struggle more than peers from other New York psychology programs when it comes to loan repayment and financial independence in their twenties. If your child is set on psychology and this school, have frank conversations about graduate school plans or alternative career paths that might improve the financial picture.

Where Utica University Stands

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

Utica UniversityOther research and experimental 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 Utica University graduates compare to all programs nationally

Utica University graduates earn $32k, placing them in the 30th percentile of all research and experimental 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 New York

Research and Experimental Psychology bachelors's programs at peer institutions in New York (15 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Utica University$31,695$38,952$26,0000.82
Columbia University in the City of New York$53,156$56,899$20,5000.39
Barnard College$44,055$17,0000.39
Colgate University$41,883$16,0000.38
Hamilton College$39,880$17,4500.44
University of Rochester$39,732$68,347$21,0000.53
National Median$34,768$21,5000.62

Other Research and Experimental Psychology Programs in New York

Compare tuition, earnings, and debt across New York schools

SchoolIn-State TuitionEarnings (1yr)Debt
Columbia University in the City of New York
New York
$69,045$53,156$20,500
Barnard College
New York
$66,246$44,055$17,000
Colgate University
Hamilton
$67,024$41,883$16,000
Hamilton College
Clinton
$65,740$39,880$17,450
University of Rochester
Rochester
$64,348$39,732$21,000

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 Utica University, approximately 30% 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 41 graduates with reported earnings and 67 graduates with debt data. Small samples may not be representative.