How much debt do Frostburg State psychology graduates have?

The median federal loan balance is $24,904, which ranks 9th lowest of 17 psychology bachelor's programs in Maryland. That works out to about $264 a month over 10 years.

Is a psychology degree from Frostburg State worth it?

It depends on your other options. Debt equals 92% of first-year earnings, against a national median of 78%. Compare the cost with other Maryland programs before deciding.

Frostburg State Psychology (Bachelor's): Tuition, Graduate Salary, and Debt

Q: Do Frostburg State psychology graduates stay in Maryland?

Most do. 87% (73 of 84) were working in Maryland one year after graduating.

Bachelor's in Psychology, General
Public university
Frostburg, MD
About 64 graduates a year

College Scorecard June 2026 release · BLS wages May 2025

The short answer

Frostburg State psychology graduates earn less than graduates of most psychology programs nationally, $27,213 in their first year. The typical graduate leaves with $24,904 in federal loans, close to the national median of $25,624. Several Maryland programs report higher pay.

First-year earnings$27,21316th percentile of 875 programs nationally

Earnings after 5 years$53,95498% more than year one

Median federal debt$24,9049th lowest of 17 Maryland programs

Debt-to-earnings92%Maryland median 78%, national 78%

How it compares

Each figure is the median for graduates of the program. The Maryland and national columns are the medians across all psychology bachelor's programs that report the figure.

	Frostburg State	Maryland	National
Earnings, 1 year after graduating	$27,213	$31,463	$31,479
Earnings, 5 years after graduating	$53,954	$54,434	$49,019
Median federal debt at graduation	$24,904	$25,283	$25,624
Debt as share of first-year pay	92%	78%	78%
Programs compared		17	875

Five years out, Frostburg State graduates earn more than the national figure and about the same as the Maryland median.

Debt and first-year pay at every Maryland psychology program

Programs in the upper left give graduates higher pay for less debt. Dashed lines mark the Maryland medians.

Frostburg StateOther Maryland programs

Hover over or tap a dot to see the school. Only programs that report both earnings and debt are shown.

What graduates earn over time

Pay rises about 98% between the first and fifth year.

Frostburg State grads, year 1$27,213

Frostburg State grads, year 5$53,954

All Maryland psychology grads, year 5$54,434

Year 1 and year 5 figures come from different graduating classes, so the growth rate is an estimate.

Does family income change the outcome?

Graduates who received Pell Grants, which go to students from lower-income families, earned more in their first year than other graduates. They also borrowed less. At this program, the outcome does not look worse for students with less money.

Pell Grant recipients, year 1 earnings$29,360Median debt $23,594

Other graduates, year 1 earnings$23,615Median debt $25,000

Paying back the loans

On a standard 10-year plan, the median debt means a payment of about $264 a month, or 11.6% of a graduate's typical monthly pay in the first year.

Two years into repayment (83 borrowers)	Share
Paid off in full	20% or less
Paying down the balance	20–39%
Paused payments (forbearance)	20–39%
In default	20% or less

The government publishes these as ranges to protect privacy. They were measured in 2018 to 2020, partly during the pandemic pause on federal loan payments, so the forbearance share may be higher than usual. Separately, 23 parents took out Parent PLUS loans for these students, with a median of $15,972.

Where graduates work, and what the pay is worth

87% of graduates (73 of 84) were working in Maryland one year after graduating. Prices in the parts of Maryland outside metro areas are about 7% below the national average, so a $27,213 salary here buys what about $29,187 buys in a typical US city.

Careers this field leads to

These are the jobs that the federal crosswalk from fields of study to occupations links to psychology, largest first. Pay is the median across all experience levels.

Clinical and Counseling Psychologists

$100,580

Median pay nationwide. 2,140 people work in this job in Maryland. Nationally, jobs are projected to grow 12% from 2025 to 2035, with about 4,100 openings a year. Typical education to start: doctoral or professional degree.

Social Science Research Assistants

$65,550

Median pay in Maryland. 700 people work in this job in Maryland. Nationally, jobs are projected to grow 5% from 2025 to 2035, with about 4,900 openings a year. Typical education to start: bachelor's degree.

Bottom 10%: $47,260Top 10%: $113,020

Industrial-Organizational Psychologists

$193,950

Median pay nationwide. Nationally, jobs are projected to grow 7% from 2025 to 2035, with about 300 openings a year. Typical education to start: master's degree.

About Frostburg State

In-state tuition and fees	$10,220 / year
Out-of-state tuition and fees	$25,814 / year
Average net price after aid	$16,715 / year
Admission rate	89%
Graduation rate (within 6 years)	50%
Undergraduate students	2,909

Psychology ranks 18th of 21 bachelor's programs at Frostburg State by first-year earnings. The top three are Nursing ($82,617), Engineering ($62,968), and Computer Science ($54,349).

Other psychology bachelor's programs near Frostburg

School	Distance	Year 1 pay	Debt
Frostburg StateFrostburg, MD · public		$27,213	$24,904
Saint Vincent CollegeLatrobe, PA · private nonprofit	51 mi	$24,155	$27,000
Shenandoah UniversityWinchester, VA · private nonprofit	53 mi	$34,531	$26,000
WVUMorgantown, WV · public	54 mi	$28,879	$23,328
Pennsylvania Western UniversityCalifornia, PA · public	58 mi	$23,193	$26,500

Common questions

The median graduate earns $27,213 one year after graduating and $53,954 five years after. The median across psychology bachelor's programs in Maryland is $31,463.

About this data

Earnings and debt only include students who received federal financial aid (grants or loans).
Earnings only count graduates who were working and not enrolled in more school. Graduates who went straight to further study are not included.
Debt only includes federal loans. Private loans and credit cards are not counted.
Some schools with several campuses report one combined figure for all of them. We count each of those schools once, and leave them out of Maryland comparisons when their main campus is in another state.
Scorecard figures describe graduating classes from several years ago. BLS wages are from May 2025.
School-level numbers like tuition, admission rate, and graduation rate are for the whole school, not the psychology program.

Sources

U.S. Department of Education, College Scorecard, field of study and institution files, June 2026 release
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025
Bureau of Labor Statistics, Employment Projections 2025 to 2035
Bureau of Economic Analysis, Regional Price Parities, 2024
NCES, CIP 2020 to SOC 2018 crosswalk, and IPEDS institution directory, 2024

Psychology bachelor's programs in Maryland, ranked17 programs by pay and debt Psychology bachelor's programs in the US, ranked875 programs by pay and debt All Frostburg State programs, ranked21 programs by pay and debt