Affordable Psychology Programs
Affordable psychology programs balance tuition rates with total program cost. Comparing cost per credit and total credits required provides a clearer picture.
$19,536Associate Median DebtCollege Scorecard
$23,351Bachelor's Median DebtCollege Scorecard
$45,846Master's Median DebtCollege Scorecard
Quick Answers
What makes a program affordable?
Affordability depends on tuition, fees, transfer credits, and available aid.
How can I reduce total cost?
Look for transfer-friendly schools, scholarships, and accelerated pacing options.
Should I compare price per credit?
Yes. Compare tuition per credit and estimate total credits required.
At a Glance
- Compare: Tuition per credit and total credits required
- Check: Fees for technology, labs, or practicum
- Transfer credits: Can reduce total cost significantly
- Financial aid: Matters more than sticker price
- Online savings: No commute or relocation costs
For a full overview of program options, start with the Psychology Program Guide.
Cost and earnings by degree level
| Level | Median Debt | 1yr Median Earnings | 5yr Median Earnings | Online % |
|---|---|---|---|---|
| Associate | $19,536 | $25,792 | $38,118 | 73.8% |
| Bachelor’s | $23,351 | $30,197 | $50,706 | 73.0% |
| Master’s | $45,846 | $52,225 | $63,350 | 71.2% |
| Doctoral | $100,774 | $72,533 | $97,361 | 80.7% |
Source: U.S. Department of Education College Scorecard, latest academic year.
Cost factors to compare
- Tuition per credit and total credits required
- Fees for technology, labs, or practicum
- Transfer credit acceptance
- Financial aid or scholarships
Cost-saving strategies to consider
- Confirm transfer credit policies before you apply
- Ask about credit for prior learning, if available
- Compare part-time and accelerated pacing tradeoffs
- Review total fees, not just tuition
If you are eligible, confirm in-state tuition options or regional reciprocity benefits.
Starting with an associate degree (median debt $19,536) and transferring to a bachelor’s program can reduce total borrowing compared to completing all 120 credits at a four-year institution. Verify articulation agreements before enrolling.
Compare related pages:
Back to Online Psychology Degrees Guide: Levels and Licensure
Return to Online Psychology Degrees Guide: Levels and Licensure