Median Earnings (1yr)
$25,936
10th percentile (40th in KY)
Median Debt
$24,846
3% below national median
Debt-to-Earnings
0.96
Manageable
Sample Size
86
Adequate data

Analysis

Western Kentucky's psychology program starts graduates at just under $26,000—roughly $6,000 below the state median and nearly $5,500 below the national average. While the 40th percentile ranking within Kentucky suggests this isn't the worst option in-state, it trails significantly behind schools like Spalding University and University of the Cumberlands, which place graduates at $40,000+ and $37,000+ respectively. The debt load of nearly $25,000 is slightly better than state and national averages, but that full year of earnings needed to repay it (0.96 debt-to-earnings ratio) still represents a challenging starting position.

The 26% earnings growth to $32,783 by year four offers some relief, bringing graduates closer to the national median. However, even after four years, earnings remain below where many comparable Kentucky programs start their graduates. For families considering this path, the question becomes whether the more affordable tuition at Western Kentucky (reflected in that 97% admission rate and lower debt) offsets the earnings gap. If your child is set on psychology and planning for graduate school anyway—where those early-career earnings matter less—the lower debt burden provides breathing room. But for students entering the workforce directly, the combination of below-average starting pay and just-okay growth suggests exploring other Kentucky options first.

Where Western Kentucky University Stands

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

Western Kentucky UniversityOther 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 Western Kentucky University graduates compare to all programs nationally

Western Kentucky University graduates earn $26k, placing them in the 10th 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 Kentucky

Psychology bachelors's programs at peer institutions in Kentucky (24 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Western Kentucky University$25,936$32,783$24,8460.96
Spalding University$40,262$39,085$31,7500.79
University of the Cumberlands$36,913$35,801$21,7500.59
Northern Kentucky University$36,209$35,440$26,0880.72
Georgetown College$33,921$43,886$27,0000.80
Campbellsville University$31,478—$23,2500.74
National Median$31,482—$25,5000.81

Other Psychology Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Spalding University
Louisville
$27,850$40,262$31,750
University of the Cumberlands
Williamsburg
$9,875$36,913$21,750
Northern Kentucky University
Highland Heights
$10,896$36,209$26,088
Georgetown College
Georgetown
$42,010$33,921$27,000
Campbellsville University
Campbellsville
$26,990$31,478$23,250

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 Western Kentucky University, approximately 29% 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 86 graduates with reported earnings and 121 graduates with debt data. Small samples may not be representative.