Bachelor's · Lacey, Washington

Is Psychology, General at Saint Martin's University worth it?

Medium confidence Medium confidence: 40–99 graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back slowly: graduates typically recover the cost in about 12.3 years.

Earnings 1 year after graduating: $47,515; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $54,884; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $23,375; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $108k (likely $108k – $136k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $11k a year vs high-school graduates aged 25–34 in WA; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 12.3 years (likely 8.1–20+); Bump vs net cost plus loan interest
10-year net return: −$211k (likely −$295k – −$132k); Today's dollars
20-year net return: −$59k (likely −$206k – $121k); Today's dollars
Odds of finishing (school-wide): 56%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26