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 debtβmore 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
Earnings Distribution
How Utica University 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 |
|---|---|---|---|
| Utica University | $31,695 | $38,952 | +23% |
| Harvard University | $41,501 | $76,453 | +84% |
| University of Rochester | $39,732 | $68,347 | +72% |
| Columbia University in the City of New York | $53,156 | $56,899 | +7% |
| Canisius University | $29,333 | $45,656 | +56% |
Compare to Similar Programs in New York
Research and Experimental Psychology bachelors's programs at peer institutions in New York (15 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $24,308 | $31,695 | $38,952 | $26,000 | 0.82 | |
| $69,045 | $53,156 | $56,899 | $20,500 | 0.39 | |
| $66,246 | $44,055 | β | $17,000 | 0.39 | |
| $67,024 | $41,883 | β | $16,000 | 0.38 | |
| $65,740 | $39,880 | β | $17,450 | 0.44 | |
| $64,348 | $39,732 | $68,347 | $21,000 | 0.53 | |
| National Median | β | $34,768 | β | $21,500 | 0.62 |
Career Paths
Occupations commonly associated with research and experimental psychology graduates
Statisticians
Biostatisticians
Medical Scientists, Except Epidemiologists
Clinical and Counseling Psychologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Psychology Teachers, Postsecondary
Health Specialties Teachers, Postsecondary
Child, Family, and School Social Workers
Managers, All Other
Compliance Managers
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.