Clinical, Counseling and Applied Psychology: is this bachelor's degree worth it?
National picture across 77 reporting college programs.
MODELED SCENARIO · Negative payoff
−$196,474 over 10 years
National scenario across reporting bachelor's degree programs, using median year-4 earnings, their institutions’ average net prices and a typical 4-year duration.
At these assumptions, the estimated earnings premium does not recover the modeled economic investment within ten years.
39.2 yrsModeled economic break-even
−74%Modeled 10-year ROI
$51,727Observed earnings · year 4
Observed national outcomes
$51,727Median reported earnings · year 4
$50,103Average reported earnings · year 5
$27,000Median federal debt
27thYear-4 earnings percentile at this credential
77Reporting programs
66With year-4 earnings
The same field can produce a different equation.
Keep the federal field fixed and compare observed outcomes at every reportable credential level. These are separate graduate cohorts—not a promise that more schooling causes the difference.
OPEN PROFILE
Undergraduate Certificate or Diploma
- Year-4 earnings
- Not available
- Federal debt
- $13,500
- Reporting programs
- 1
Associate's Degree
- Year-4 earnings
- $41,767
- Federal debt
- $12,000
- Reporting programs
- 3
Bachelor's Degree
- Year-4 earnings
- $51,727
- Federal debt
- $27,000
- Reporting programs
- 77
Post-baccalaureate Certificate
- Year-4 earnings
- $72,081
- Federal debt
- $19,000
- Reporting programs
- 4
Master's Degree
- Year-4 earnings
- $65,278
- Federal debt
- Not available
- Reporting programs
- 335
Doctoral Degree
- Year-4 earnings
- $100,222
- Federal debt
- Not available
- Reporting programs
- 97
First Professional Degree
- Year-4 earnings
- $66,437
- Federal debt
- Not available
- Reporting programs
- 4
Graduate/Professional Certificate
- Year-4 earnings
- $75,818
- Federal debt
- Not available
- Reporting programs
- 26
Non-Credential Program (Preparatory Coursework/Teacher Certification)
- Year-4 earnings
- $66,974
- Federal debt
- Not available
- Reporting programs
- 1
Where the middle half of programs lands
Year‑4 earnings differ by college. This band shows the 25th percentile, national median and 75th percentile among reporting programs.
Median
25th percentile$46,060National median$51,72775th percentile$58,869
66 programs report year‑4 earnings.DECISION CHECK
What to compare before choosing a program
The national result is only the starting point. Price, debt and the college-level earnings spread can materially change the payoff.
Find the colleges that fit your constraints
Keep this exact federal field and credential fixed, then narrow the reporting colleges by location, sector and federal debt.
72 matchesShowing up to 25 currently operating colleges
1Embry-Riddle Aeronautical University-PrescottPrescott, AZ · Private nonprofitYear-4 earnings$82,023Federal debt$24,620Annual net price$40,2872Embry-Riddle Aeronautical University-Daytona BeachDaytona Beach, FL · Private nonprofitYear-4 earnings$82,023Federal debt$24,620Annual net price$41,2723Boston CollegeChestnut Hill, MA · Private nonprofitYear-4 earnings$76,328Federal debt$17,361Annual net price$41,7044Saint Joseph's University - PhiladelphiaPhiladelphia, PA · Private nonprofitYear-4 earnings$75,549Federal debtNot availableAnnual net price$29,6895CUNY Bernard M Baruch CollegeNew York, NY · PublicYear-4 earnings$73,007Federal debtNot availableAnnual net price$3,0336Los Angeles Pacific UniversityGlendora, CA · Private nonprofitYear-4 earnings$71,935Federal debt$46,561Annual net price$22,6777Pace UniversityNew York, NY · Private nonprofitYear-4 earnings$67,811Federal debt$26,000Annual net price$30,8928Azusa Pacific UniversityAzusa, CA · Private nonprofitYear-4 earnings$66,411Federal debtNot availableAnnual net price$22,2129Christian Brothers UniversityMemphis, TN · Private nonprofitYear-4 earnings$64,897Federal debt$46,000Annual net price$9,85410Western Michigan UniversityKalamazoo, MI · PublicYear-4 earnings$64,679Federal debt$27,000Annual net price$15,27311California State University, San BernardinoSan Bernardino, CA · PublicYear-4 earnings$63,062Federal debt$14,958Annual net price$4,56412Emmanuel CollegeBoston, MA · Private nonprofitYear-4 earnings$62,013Federal debt$27,000Annual net price$26,70613Indiana Wesleyan University-MarionMarion, IN · Private nonprofitYear-4 earnings$60,898Federal debt$38,759Annual net price$22,86614Indiana Wesleyan University-National & GlobalMarion, IN · Private nonprofitYear-4 earnings$60,898Federal debt$38,759Annual net price$16,89815Albright CollegeReading, PA · Private nonprofitYear-4 earnings$60,589Federal debt$39,762Annual net price$20,02416Crown CollegeSaint Bonifacius, MN · Private nonprofitYear-4 earnings$60,077Federal debt$46,863Annual net price$26,67217University of ChicagoChicago, IL · Private nonprofitYear-4 earnings$59,898Federal debt$12,000Annual net price$14,86018Farmingdale State CollegeFarmingdale, NY · PublicYear-4 earnings$58,570Federal debt$20,175Annual net price$10,86719University at AlbanyAlbany, NY · PublicYear-4 earnings$58,501Federal debt$22,430Annual net price$17,16720Thomas Jefferson UniversityPhiladelphia, PA · Private nonprofitYear-4 earnings$56,119Federal debt$47,976Annual net price$28,92821University of California, San DiegoLa Jolla, CA · PublicYear-4 earnings$56,000Federal debt$15,000Annual net price$12,47022University of Pittsburgh-Pittsburgh CampusPittsburgh, PA · PublicYear-4 earnings$55,736Federal debt$25,000Annual net price$30,43423Champlain CollegeBurlington, VT · Private nonprofitYear-4 earnings$55,701Federal debt$23,269Annual net price$35,86024Husson UniversityBangor, ME · Private nonprofitYear-4 earnings$55,648Federal debtNot availableAnnual net price$21,00525CUNY John Jay College of Criminal JusticeNew York, NY · PublicYear-4 earnings$55,595Federal debt$13,421Annual net price$3,203
Open the full program search →See the spread, not just the national number.
1Embry-Riddle Aeronautical University-Prescott$82,0232Embry-Riddle Aeronautical University-Daytona Beach$82,0233Boston College$76,3284Saint Joseph's University - Philadelphia$75,5495CUNY Bernard M Baruch College$73,0076Los Angeles Pacific University$71,9357Pace University$67,8118Azusa Pacific University$66,4119Christian Brothers University$64,89710Western Michigan University$64,679Observed year-4 earnings · top displayed records are not a universal ranking
Related occupations
Official CIP–SOC links add career context without claiming that every graduate enters the same job.
Psychology Teachers, PostsecondarySOC 25-1066 · 18 crosswalk linksManagers, All OtherSOC 11-9199 · 15 crosswalk linksPsychologists, All OtherSOC 19-3039 · 13 crosswalk linksClinical and Counseling PsychologistsSOC 19-3033 · 7 crosswalk linksSchool PsychologistsSOC 19-3034 · 2 crosswalk linksCoaches and ScoutsSOC 27-2022 · 1 crosswalk linksCounselors, All OtherSOC 21-1019 · 1 crosswalk linksEducational, Guidance, and Career Counselors and AdvisorsSOC 21-1012 · 1 crosswalk linksHuman Resources ManagersSOC 11-3121 · 1 crosswalk linksHuman Resources SpecialistsSOC 13-1071 · 1 crosswalk linksIndustrial-Organizational PsychologistsSOC 19-3032 · 1 crosswalk linksManagement AnalystsSOC 13-1111 · 1 crosswalk links
Where this degree has enough data to compare
State pages are published only when at least five operating colleges report year-4 earnings for this exact field and credential.
Same degree, different outcomes
Compare reported outcomes using the same federal field and credential. ROI uses each institution’s average net price as a scenario—not an individual aid offer.
| # | College | Location | Earnings, year 4 | Federal debt | 10-year ROI | Verdict |
|---|---|---|---|---|---|---|
| 1 | Embry-Riddle Aeronautical University-PrescottBachelor's Degree | Prescott, AZ | $82,023 | $24,620 | +9% | Positive payoff |
| 2 | Embry-Riddle Aeronautical University-Daytona BeachBachelor's Degree | Daytona Beach, FL | $82,023 | $24,620 | +7% | Positive payoff |
| 3 | Boston CollegeBachelor's Degree | Chestnut Hill, MA | $76,328 | $17,361 | -10% | Negative payoff |
| 4 | Saint Joseph's University - PhiladelphiaBachelor's Degree | Philadelphia, PA | $75,549 | Not available | +2% | Positive payoff |
| 5 | CUNY Bernard M Baruch CollegeBachelor's Degree | New York, NY | $73,007 | Not available | +46% | Positive payoff |
| 6 | Los Angeles Pacific UniversityBachelor's Degree | Glendora, CA | $71,935 | $46,561 | -1% | Negative payoff |
| 7 | Pace UniversityBachelor's Degree | New York, NY | $67,811 | $26,000 | -25% | Negative payoff |
| 8 | Azusa Pacific UniversityBachelor's Degree | Azusa, CA | $66,411 | Not available | -20% | Negative payoff |
| 9 | Christian Brothers UniversityBachelor's Degree | Memphis, TN | $64,897 | $46,000 | -9% | Negative payoff |
| 10 | Western Michigan UniversityBachelor's Degree | Kalamazoo, MI | $64,679 | $27,000 | -18% | Negative payoff |
| 11 | California State University, San BernardinoBachelor's Degree | San Bernardino, CA | $63,062 | $14,958 | -9% | Negative payoff |
| 12 | Emmanuel CollegeBachelor's Degree | Boston, MA | $62,013 | $27,000 | -41% | Negative payoff |
| 13 | Indiana Wesleyan University-MarionBachelor's Degree | Marion, IN | $60,898 | $38,759 | -41% | Negative payoff |
| 14 | Indiana Wesleyan University-National & GlobalBachelor's Degree | Marion, IN | $60,898 | $38,759 | -36% | Negative payoff |
| 15 | Albright CollegeBachelor's Degree | Reading, PA | $60,589 | $39,762 | -40% | Negative payoff |
| 16 | Crown CollegeBachelor's Degree | Saint Bonifacius, MN | $60,077 | $46,863 | -47% | Negative payoff |
| 17 | University of ChicagoBachelor's Degree | Chicago, IL | $59,898 | $12,000 | -38% | Negative payoff |
| 18 | Farmingdale State CollegeBachelor's Degree | Farmingdale, NY | $58,570 | $20,175 | -39% | Negative payoff |
| 19 | University at AlbanyBachelor's Degree | Albany, NY | $58,501 | $22,430 | -46% | Negative payoff |
| 20 | Thomas Jefferson UniversityBachelor's Degree | Philadelphia, PA | $56,119 | $47,976 | -62% | Negative payoff |
| 21 | University of California, San DiegoBachelor's Degree | La Jolla, CA | $56,000 | $15,000 | -52% | Negative payoff |
| 22 | University of Pittsburgh-Pittsburgh CampusBachelor's Degree | Pittsburgh, PA | $55,736 | $25,000 | -64% | Negative payoff |
| 23 | Champlain CollegeBachelor's Degree | Burlington, VT | $55,701 | $23,269 | -67% | Negative payoff |
| 24 | Husson UniversityBachelor's Degree | Bangor, ME | $55,648 | Not available | -60% | Negative payoff |
| 25 | CUNY John Jay College of Criminal JusticeBachelor's Degree | New York, NY | $55,595 | $13,421 | -45% | Negative payoff |
| 26 | Florida Institute of TechnologyBachelor's Degree | Melbourne, FL | $55,282 | $32,000 | -68% | Negative payoff |
| 27 | Middle Tennessee State UniversityBachelor's Degree | Murfreesboro, TN | $55,031 | $23,375 | -57% | Negative payoff |
| 28 | Mount Saint Mary's UniversityBachelor's Degree | Los Angeles, CA | $52,940 | $27,000 | -70% | Negative payoff |
| 29 | University of Washington-Seattle CampusBachelor's Degree | Seattle, WA | $52,771 | $14,259 | -67% | Negative payoff |
| 30 | University of Washington-Bothell CampusBachelor's Degree | Bothell, WA | $52,771 | $14,259 | -66% | Negative payoff |
| 31 | Lesley UniversityBachelor's Degree | Cambridge, MA | $52,367 | $26,000 | -76% | Negative payoff |
| 32 | Boston UniversityBachelor's Degree | Boston, MA | $51,086 | $27,000 | -78% | Negative payoff |
| 33 | SUNY College of Technology at CantonBachelor's Degree | Canton, NY | $51,077 | $26,000 | -75% | Negative payoff |
| 34 | Tiffin UniversityBachelor's Degree | Tiffin, OH | $50,934 | $27,000 | -79% | Negative payoff |
| 35 | Mississippi State UniversityBachelor's Degree | Mississippi State, MS | $50,176 | $26,000 | -79% | Negative payoff |
| 36 | Saint Cloud State UniversityBachelor's Degree | Saint Cloud, MN | $49,922 | $24,948 | -79% | Negative payoff |
| 37 | University of Michigan-FlintBachelor's Degree | Flint, MI | $49,832 | $28,500 | -77% | Negative payoff |
| 38 | Johnson & Wales University-ProvidenceBachelor's Degree | Providence, RI | $48,967 | $27,000 | -87% | Negative payoff |
| 39 | Delaware Valley UniversityBachelor's Degree | Doylestown, PA | $48,732 | $25,000 | -87% | Negative payoff |
| 40 | Oregon Institute of TechnologyBachelor's Degree | Klamath Falls, OR | $48,724 | $38,546 | -85% | Negative payoff |
| 41 | Franklin UniversityBachelor's Degree | Columbus, OH | $48,543 | $35,500 | -87% | Negative payoff |
| 42 | Purdue University GlobalBachelor's Degree | West Lafayette, IN | $47,339 | $42,443 | -89% | Negative payoff |
| 43 | SUNY MorrisvilleBachelor's Degree | Morrisville, NY | $46,764 | $28,274 | -93% | Negative payoff |
| 44 | Arizona Christian UniversityBachelor's Degree | Glendale, AZ | $46,659 | $24,000 | -95% | Negative payoff |
| 45 | Oklahoma Baptist UniversityBachelor's Degree | Shawnee, OK | $46,512 | $25,147 | -94% | Negative payoff |
| 46 | University of North TexasBachelor's Degree | Denton, TX | $46,468 | $19,583 | -94% | Negative payoff |
| 47 | New England CollegeBachelor's Degree | Henniker, NH | $46,270 | $43,585 | -96% | Negative payoff |
| 48 | California State University, Los AngelesBachelor's Degree | Los Angeles, CA | $46,060 | $12,500 | -95% | Negative payoff |
| 49 | Belhaven UniversityBachelor's Degree | Jackson, MS | $45,213 | $41,825 | -99% | Negative payoff |
| 50 | Gardner-Webb UniversityBachelor's Degree | Boiling Springs, NC | $42,936 | $29,166 | -108% | Negative payoff |
| 51 | University of Mary Hardin-BaylorBachelor's Degree | Belton, TX | $42,301 | $27,000 | -109% | Negative payoff |
| 52 | Clayton State UniversityBachelor's Degree | Morrow, GA | $42,032 | $35,448 | -114% | Negative payoff |
| 53 | Keystone CollegeBachelor's Degree | La Plume, PA | $41,571 | $27,000 | -113% | Negative payoff |
| 54 | Wayne State CollegeBachelor's Degree | Wayne, NE | $41,391 | $23,659 | -115% | Negative payoff |
| 55 | Point UniversityBachelor's Degree | West Point, GA | $40,621 | $39,500 | -116% | Negative payoff |
| 56 | Faulkner UniversityBachelor's Degree | Montgomery, AL | $39,459 | $27,691 | -121% | Negative payoff |
| 57 | Grace College and Theological SeminaryBachelor's Degree | Winona Lake, IN | $39,291 | $19,500 | -122% | Negative payoff |
| 58 | Toccoa Falls CollegeBachelor's Degree | Toccoa Falls, GA | $33,831 | $24,250 | -142% | Negative payoff |
| 59 | University of Puerto Rico at PonceBachelor's Degree | Ponce, PR | $31,751 | $5,000 | -159% | Negative payoff |
| 60 | Bob Jones UniversityBachelor's Degree | Greenville, SC | $31,332 | Not available | -155% | Negative payoff |
| 61 | University of Puerto Rico-CarolinaBachelor's Degree | Carolina, PR | $26,214 | Not available | -181% | Negative payoff |
| 62 | University of Puerto Rico-AreciboBachelor's Degree | Arecibo, PR | $25,528 | $4,500 | -187% | Negative payoff |
| 63 | Biola UniversityBachelor's Degree | La Mirada, CA | Not available | $27,568 | WithheldPrice-proxy sensitive | $31,495 |
| 64 | Walden UniversityBachelor's Degree | Minneapolis, MN | Not available | $55,500 | WithheldPrice-proxy sensitive | $33,817 |
| 65 | Ball State UniversityBachelor's Degree | Muncie, IN | Not available | $27,075 | WithheldPrice-proxy sensitive | $14,940 |
| 66 | Thomas CollegeBachelor's Degree | Waterville, ME | Not available | $27,000 | WithheldPrice-proxy sensitive | $18,885 |
| 67 | Massachusetts College of Pharmacy and Health SciencesBachelor's Degree | Boston, MA | Not available | $27,000 | WithheldPrice-proxy sensitive | $39,545 |
| 68 | Augsburg UniversityBachelor's Degree | Minneapolis, MN | Not available | $29,625 | WithheldPrice-proxy sensitive | $23,873 |
| 69 | Bellevue UniversityBachelor's Degree | Bellevue, NE | Not available | $24,846 | WithheldPrice-proxy sensitive | $17,550 |
| 70 | Bryant UniversityBachelor's Degree | Smithfield, RI | Not available | $24,574 | WithheldPrice-proxy sensitive | $41,219 |
| 71 | Aspen UniversityBachelor's Degree | Phoenix, AZ | Not available | $51,756 | WithheldPrice-proxy sensitive | Not available |
| 72 | University of Phoenix-ArizonaBachelor's Degree | Phoenix, AZ | Not available | $40,687 | WithheldPrice-proxy sensitive | $13,520 |
| 73 | The College of Saint RoseBachelor's Degree | , | $58,869 | $20,500 | WithheldPrice-proxy sensitive | Not available |
| 74 | Florida Institute of Technology-OnlineBachelor's Degree | , | $55,282 | $32,000 | WithheldPrice-proxy sensitive | Not available |
| 75 | Clarks Summit UniversityBachelor's Degree | , | $39,916 | $24,520 | WithheldPrice-proxy sensitive | Not available |
| 76 | Hodges UniversityBachelor's Degree | , | $37,534 | $46,375 | WithheldPrice-proxy sensitive | Not available |
| 77 | University of Phoenix-CaliforniaBachelor's Degree | , | Not available | $40,687 | WithheldPrice-proxy sensitive | Not available |
This page keeps the field and credential level fixed. Federal categories can still combine multiple catalog programs or concentrations. Automated ROI is limited to associate and bachelor’s degrees because institution-wide annual net price is not a reliable proxy for short certificate prices. ROI is an illustrative scenario, not a federal determination.