2026 Child Psychology Degree Levels Explained: Bachelor's vs Master's vs Doctorate
Choosing a child psychology degree is really a career-planning decision: how much responsibility do you want, how soon do you need to work, and whether your goal involves support roles, school-based services, clinical practice, research, or university teaching. A bachelor's degree can prepare you for entry-level work with children and families, while master's and doctoral programs usually lead to more specialized, supervised, licensed, or research-focused roles.
The stakes are practical as well as academic. Advanced child psychology roles often require graduate training, clinical hours, research experience, and state-specific credentials. Between 2020 and 2030, employment of psychologists-including those specializing in child psychology-is projected to grow 8%, making it important to choose a degree level that matches both your career timeline and long-term advancement goals.
This guide compares bachelor's, master's, and doctoral degrees in child psychology by curriculum, specialization, admissions, completion time, cost, financial aid, careers, and salary expectations so you can make a clearer, more informed decision.
Key Things to Know About Child Psychology Degree Levels
- Bachelor's degrees provide foundational knowledge and general skills; master's programs offer advanced specialization, while doctorates emphasize research and clinical leadership.
- Bachelor's graduates often enter support roles, master's holders can become licensed therapists, and doctorate holders typically pursue leadership or academic positions.
- Completion times vary: bachelor's takes about four years, master's two additional years, and doctorates can require 4-7 years, with increasing costs at each level.
How Are Child Psychology Degree Levels Structured Academically?
Child psychology degree levels build on one another. A bachelor's program introduces the science of child development and human behavior. A master's program adds specialization, applied assessment, research, and supervised practice. A doctorate requires the highest level of clinical, research, or academic preparation, depending on the program type.
The right level depends on whether you want to enter the workforce quickly, qualify for more advanced supervised roles, or pursue independent clinical practice, research leadership, or faculty positions.
| Degree level | Academic focus | Typical learning outcome |
| Bachelor's | Foundational psychology, child development, research basics, and general education | Preparation for entry-level support roles or graduate study |
| Master's | Specialized coursework, assessment, intervention, applied research, and field experience | Preparation for advanced roles, supervised practice, or doctoral study |
| Doctorate | Advanced theory, original research, clinical training, dissertation work, and professional specialization | Preparation for independent clinical, research, academic, or leadership roles |
- Coursework intensity: Bachelor's programs cover core concepts such as developmental stages, psychological theories, research methods, and family systems. Master's programs move into deeper study of assessment, intervention, ethics, and specialized child-focused practice. Doctoral programs require advanced theoretical knowledge, complex methodology, and sustained clinical or research training.
- Research expectations: Research usually begins with guided assignments or small projects at the bachelor's level. Master's students often complete a thesis, capstone, or applied research project. Doctoral students conduct original research through a dissertation intended to contribute new knowledge to the field.
- Applied learning: Bachelor's students may complete internships, labs, service learning, or observation-based assignments. Master's and doctoral students are more likely to complete structured fieldwork, practica, supervised clinical experience, or research assistantships.
- Independence: Academic independence increases at each level. Bachelor's students work closely from established material, master's students analyze and apply research more independently, and doctoral students design studies, interpret data, and defend their conclusions.
- Professional readiness: A bachelor's degree may qualify graduates for support roles, but it generally does not lead to independent psychology practice. Master's and doctoral paths are more closely tied to credentialing, supervision, and state-specific requirements.
Students considering specialized graduate pathways may also compare related options such as bcba master's programs online, especially if their interests include behavior analysis, developmental support, or applied intervention with children.
What Do You Learn in a Bachelor's Degree in Child Psychology?
A bachelor's degree in child psychology gives students a broad foundation in how children think, learn, behave, communicate, and develop socially and emotionally. It is usually the first step for students who want to work with children in education, human services, behavioral support, healthcare support, or community programs.
This degree is also a common preparation route for graduate study. Students who eventually want to become licensed clinicians, school psychologists, researchers, or professors should treat the bachelor's program as the academic base rather than the final credential.
- Developmental psychology: Students study physical, cognitive, emotional, and social development from infancy through adolescence, including major developmental milestones and common developmental differences.
- Abnormal psychology: Coursework introduces mental health conditions, behavioral concerns, and emotional challenges that may appear in childhood or adolescence.
- Learning and motivation: Students examine how children acquire skills, respond to reinforcement, build habits, and adapt to classroom or home environments.
- Family dynamics: Programs often explore parenting, attachment, family stress, culture, trauma, and the ways home environments influence child development.
- Research methods: Students learn how psychological research is designed, how data is interpreted, and how to evaluate claims about child behavior and development.
- Ethics and professional boundaries: Because child-focused work involves vulnerable populations, students learn the importance of confidentiality, mandated reporting, informed consent, and age-appropriate communication.
- Practical exposure: Many programs include labs, case studies, internships, volunteer work, or field observations that help students connect classroom concepts with real-world settings.
What a bachelor's degree can and cannot do
A bachelor's degree can prepare students for supervised support roles, but it usually does not qualify graduates to diagnose mental health disorders or provide independent therapy. Students should check state rules and employer requirements before assuming a bachelor's degree is enough for a specific job title.
| Best fit | Potential limitation |
| Students who want an entry point into child-focused careers | Independent clinical practice usually requires graduate education and licensure |
| Students planning to apply to master's or doctoral programs | Competitive graduate programs may expect research, internship, or volunteer experience |
| Working adults seeking a flexible psychology foundation | Career advancement may require additional credentials |
Students who need a more flexible route may also compare programs related to an online counseling degree, particularly if they are balancing work, family responsibilities, or location constraints while building a psychology-focused academic foundation.

What Specializations Are Available in a Child Psychology Master's Degree?
A master's degree in child psychology allows students to narrow their training toward a specific population, work setting, or professional function. Specialization matters because graduate coursework, field placements, faculty expertise, and credential preparation can shape the jobs a graduate is qualified to pursue.
Before choosing a specialization, students should compare three factors: whether the program aligns with their career goal, whether it includes supervised experience relevant to that goal, and whether it supports any credential or licensure pathway required in their state or workplace.
- Developmental psychopathology: This specialization focuses on emotional, behavioral, and mental health disorders in children and adolescents. Students may study risk factors, diagnostic frameworks, assessment, trauma, family influences, and intervention planning. It is a strong fit for students interested in child mental health, research, or clinical support roles.
- Clinical child psychology: This track emphasizes assessment, therapeutic approaches, treatment planning, and work with children and families. Students should verify whether the program is designed for licensure preparation, supervised practice, or further doctoral study because master's-level clinical authority varies by state and credential.
- Educational psychology: This specialization examines how children learn, how schools support academic and behavioral growth, and how interventions can improve classroom outcomes. It can be useful for students interested in school-based work, learning assessment, instructional support, or educational consulting.
- Neuropsychology: This area studies how brain development and neurological functioning affect cognition, behavior, attention, memory, and learning. It is often research-intensive and may be especially relevant for students interested in developmental disorders, assessment, neuroscience, or doctoral training.
How to choose a master's specialization
| If your goal is... | Consider focusing on... | Questions to ask before enrolling |
| Working with children and families in mental health settings | Clinical child psychology or developmental psychopathology | Does the program include supervised clinical experience and align with state credential rules? |
| Supporting students in schools | Educational psychology | Does the curriculum match school-based practice expectations in your state? |
| Studying brain-behavior relationships | Neuropsychology | Does the program offer research opportunities, labs, or faculty expertise in child neurodevelopment? |
| Preparing for doctoral study | Research-oriented developmental, clinical, or neuropsychology tracks | Will you complete a thesis, research project, or faculty-supervised study? |
What Types of Doctoral Degrees Exist in Child Psychology?
Doctoral study is the most advanced academic route in child psychology. It is usually chosen by students who want to become licensed psychologists, conduct original research, teach at the university level, lead clinical programs, or specialize deeply in child development and mental health. Roughly 7% of psychology doctoral students focus on child or developmental psychology.
The most important doctoral decision is whether you want a practice-oriented, research-oriented, or interdisciplinary path. Each can lead to respected work, but the training model, admissions expectations, and career outcomes differ.
- Professional doctorates: These programs emphasize clinical preparation, assessment, therapy, supervised experience, and readiness for professional practice. Students who want to work directly with children and families in mental health settings often consider this route. Applicants should carefully review licensure alignment, supervised hour requirements, practicum structure, and internship expectations.
- Research doctorates: These programs focus on original scholarship, experimental design, statistics, developmental theory, and publication-quality research. They are often a strong fit for students who want academic, laboratory, policy, or research-intensive careers. Clinical training may be included depending on the program, but research is usually central.
- Specialized or interdisciplinary tracks: Some doctoral programs combine child psychology with education, neuroscience, public health, behavior analysis, or developmental science. These tracks can be useful for students interested in complex problems such as learning disorders, neurodevelopment, school systems, intervention design, or child policy.
| Doctoral route | Best for students who want... | Main trade-off |
| Professional doctorate | Direct clinical work with children and families | Clinical training can be time-intensive and emotionally demanding |
| Research doctorate | Academic, research, or scientific leadership roles | Strong research productivity and dissertation work are central expectations |
| Interdisciplinary doctorate | Specialized work across psychology, education, neuroscience, or related fields | Students must ensure the program still fits their desired credential or career path |
When I interviewed a graduate from a child psychology doctorate program about the experience, he emphasized the pressure of balancing coursework, research, clinical placements, and dissertation deadlines. He explained, "The hardest part was managing the emotional weight of clinical placements while meeting strict deadlines for my dissertation." His advice was to choose a doctoral program based on the work you want to do after graduation, not just the prestige of the degree title.
What Are the Admission Requirements for Each Child Psychology Degree Level?
Admission requirements become more selective as the degree level rises. Bachelor's programs usually assess college readiness. Master's programs evaluate academic preparation, professional direction, and fit for advanced psychology study. Doctoral programs look for strong research or clinical potential, a clear match with faculty or program strengths, and evidence that the applicant can complete demanding long-term training.
Bachelor's
- Educational background: Applicants typically need a high school diploma or its equivalent.
- GPA expectations: A competitive GPA, often around 3.0 or higher, can strengthen an application.
- Standardized tests: Some schools request SAT or ACT scores, while others use test-optional policies.
- Prerequisite preparation: High school coursework in biology, psychology, statistics, writing, or math can help, although it is generally not mandatory.
- Application materials: Depending on the institution, students may need transcripts, an application essay, recommendation letters, or evidence of extracurricular involvement.
Master's
- Undergraduate degree: Applicants usually need a completed bachelor's degree, preferably in psychology or a closely related field.
- Academic performance: Programs commonly expect a strong undergraduate GPA and evidence of readiness for graduate-level writing, research, and analysis.
- Supporting documents: Letters of recommendation and a statement of purpose are usually required to evaluate motivation, career goals, and fit.
- Experience: Relevant work, volunteer, internship, or research experience may be required or strongly recommended, especially for competitive programs.
- Standardized tests: GRE scores are sometimes requested but increasingly optional, so applicants should check each program's current policy.
- Fit with program goals: Students should explain why the specific curriculum, faculty expertise, fieldwork, or specialization matches their intended career path.
Doctorate
- Previous degrees: Doctoral programs typically require a bachelor's or master's degree in psychology or a related field, along with a strong academic record.
- Standardized testing: GRE scores remain common in some programs, but requirements vary by institution.
- Recommendations: Multiple letters of recommendation are essential, especially from faculty, supervisors, or professionals who can speak to research ability, clinical maturity, or academic potential.
- Research or clinical background: Evidence of research involvement, clinical exposure, or child-focused experience is often crucial for demonstrating readiness.
- Supplemental materials: Writing samples, personal statements, interviews, and statements of research interest may be required.
- Faculty or training match: Doctoral admissions often depend on whether the applicant's interests align with available mentors, labs, clinics, or training tracks.
| Degree level | What admissions committees mainly want to see | Common mistake to avoid |
| Bachelor's | College readiness and interest in psychology or child development | Ignoring general education quality and transfer policies |
| Master's | Academic readiness, relevant experience, and clear professional goals | Choosing a program without checking credential or practicum alignment |
| Doctorate | Research or clinical promise, strong recommendations, and program fit | Applying broadly without tailoring materials to faculty and training models |

How Long Does Each Child Psychology Degree Level Take to Complete?
Completion time depends on the degree level, enrollment pace, transfer credits, fieldwork requirements, and whether the program includes a thesis, practicum, internship, or dissertation. Bachelor's programs typically last four years, master's degrees take about two years on average, and doctoral studies require between four and seven years. The National Center for Education Statistics reports that master's programs average around two years to complete.
| Degree level | Typical completion time | What can extend the timeline |
| Bachelor's | Typically four years | Part-time enrollment, transfer-credit limits, changing majors, or internship scheduling |
| Master's | About two years on average | Thesis work, practicum requirements, part-time study, or required prerequisites |
| Doctorate | Between four and seven years | Dissertation research, clinical hours, internships, comprehensive exams, and funding structure |
- Enrollment status: Full-time students usually complete programs faster. Part-time students may need longer but can better balance work, caregiving, or financial responsibilities.
- Credit transfer: Transferable credits can shorten a bachelor's timeline. At the graduate level, transfer rules are usually stricter and vary by institution.
- Prior experience: Relevant professional or internship experience may help students qualify for certain placements or strengthen readiness, but it does not automatically reduce program length.
- Program format: Online and hybrid formats may offer more scheduling flexibility. Some allow accelerated pacing, while others follow fixed cohorts.
- Research requirements: Thesis, capstone, dissertation, and data collection work can lengthen completion time, especially when projects require approvals, participants, or specialized supervision.
- Clinical or field requirements: Practica, internships, and supervised hours must often be completed in approved settings and may be difficult to rush.
A graduate from an online master's degree in child psychology described the time commitment as manageable but demanding: "Balancing full-time work while studying online was challenging, but the flexible schedule helped me stay on track." She noted that research assignments and applied projects required more than simply attending classes. Her experience illustrates a common reality: flexible programs can help working students continue their education, but flexibility does not eliminate the workload.
How Much Does Each Child Psychology Degree Level Cost?
The cost of a child psychology degree rises with program length, tuition rate, clinical or research requirements, and the number of credits required. Students should compare total program cost, not just advertised tuition, because fees, materials, residencies, dissertation expenses, and living costs can change the real price of attendance.
| Degree level | Tuition range stated | Total cost range stated | Cost factors to review |
| Bachelor's degree | $200 to $800 per credit hour | $20,000 and $60,000 | Textbooks, technology fees, lab materials, transfer credits, and enrollment pace |
| Master's degree | $400 and $1,200 per credit | $30,000 to $70,000 | Practicum costs, specialized software, thesis requirements, and part-time fees |
| Doctorate degree | Often over $1,000 per credit | Can exceed $50,000 and sometimes go beyond $100,000 | Dissertation fees, research fees, comprehensive exams, residencies, and extended living expenses |
- Bachelor's degree: Tuition ranges from $200 to $800 per credit hour, with total costs between $20,000 and $60,000. Students should budget beyond tuition for mandatory fees, textbooks, technology fees, and lab materials. Full-time study may cost more per term but can shorten the overall time in school.
- Master's degree: Tuition per credit usually falls between $400 and $1,200, with total program costs from $30,000 to $70,000. Students should ask whether practicum placement, supervision-related costs, background checks, software, or campus visits are included in published tuition.
- Doctorate degree: Doctoral programs are often the most expensive, with tuition often over $1,000 per credit. Total costs can exceed $50,000 and sometimes go beyond $100,000 when dissertation fees, research fees, comprehensive exams, residencies, and extended study periods are included.
How to compare programs financially
- Calculate total cost to graduation: Multiply credits by tuition, then add fees, books, travel, residencies, exams, and expected living expenses.
- Ask about funding: Graduate assistantships, scholarships, employer support, and tuition discounts can substantially change affordability.
- Check completion rates and timelines: A lower-cost program can become more expensive if students commonly take longer to finish.
- Consider opportunity cost: Full-time study may reduce income in the short term, while part-time study may extend fees and delay advancement.
Students comparing affordability and flexibility may also review options for an online psychology degree, especially if commuting, relocation, or work scheduling would increase the total cost of a campus-based program.
What Financial Aid Options Are Available for Child Psychology Degrees?
Financial aid can make a major difference at every degree level, but students should understand the difference between aid that does not need to be repaid and borrowed money that creates repayment obligations. About 86% of full-time undergraduates receive some form of financial aid, with an average amount exceeding $14,000 per year.
- Grants and scholarships: Grants and scholarships generally do not require repayment. They may be based on financial need, academic achievement, field of study, identity, service commitment, or career interest. Psychology students should search both institutional awards and outside scholarships.
- Federal student loans: Federal loans can be available to undergraduate and graduate students and typically offer fixed interest rates and borrower protections. Students should review borrowing limits, repayment plans, and long-term debt before accepting the full amount offered.
- Private loans: Private loans can help fill funding gaps but often have higher interest rates and fewer repayment protections than federal loans. They should usually be compared carefully and used only after reviewing federal, institutional, and scholarship options.
- Work-study programs: Work-study allows eligible students to earn money through part-time employment, often on campus or in approved community settings. It can help with living costs, but students should consider whether work hours will affect study time, fieldwork, or clinical placements.
- Employer tuition assistance: Working professionals may qualify for tuition reimbursement or education benefits from their employers. This can be especially useful for master's or doctoral students who plan to keep working while enrolled.
- Military education benefits: Veterans, active service members, and eligible military-affiliated students may qualify for education benefits that help pay tuition, fees, and related costs.
Financial aid questions to ask before enrolling
- Is the program eligible for federal financial aid? Eligibility often depends on institutional accreditation and program status.
- Are scholarships renewable? Some awards apply only to the first year, while others require a minimum GPA or enrollment level.
- Does aid cover summer terms? This matters for accelerated programs, practicums, internships, or year-round doctoral study.
- Are assistantships available? Some graduate programs offer teaching, research, or administrative assistantships, but availability varies.
- What is the debt-to-income outlook? Compare likely borrowing with realistic salary ranges for your intended degree level and career path.
Students comparing flexible undergraduate options can also review an online bachelor's degree pathway when evaluating cost, timeline, and financial aid fit.
What Careers Are Available at Each Child Psychology Degree Level?
Career options in child psychology depend heavily on degree level, supervised experience, licensure, and state rules. A bachelor's degree can support entry-level work with children, but higher-responsibility clinical, assessment, school-based, research, and academic roles often require a master's or doctorate.
Bachelor's Degree
- Behavioral technician: Supports behavior intervention plans under licensed or certified supervision, often in schools, clinics, homes, or community programs serving children with developmental or behavioral needs.
- Youth counselor: Provides guidance and support to children or adolescents in educational, residential, nonprofit, or community settings. Duties may include mentoring, behavior support, crisis response, and referrals, depending on the employer.
- Rehabilitation specialist: Helps children recovering from injury, illness, disability, or developmental challenges build daily living, social, or adaptive skills, typically under the oversight of licensed professionals.
Master's Degree
- Licensed psychological associate: May provide assessments or interventions under state licensing rules and supervision requirements. Scope of practice varies, so students should confirm credential rules before enrolling.
- School psychologist: Conducts evaluations, supports intervention planning, collaborates with educators and families, and helps address academic, behavioral, and emotional needs in school settings.
- Child development specialist: Monitors developmental progress, designs child-focused programs, supports families, and works in early intervention, education, healthcare, or community organizations.
Doctorate Degree
- Licensed clinical psychologist: Diagnoses and treats mental health disorders in children and adolescents, provides therapy, conducts assessments, and may lead clinical programs after meeting licensure requirements.
- Professor: Teaches psychology courses, mentors students, conducts research, publishes scholarship, and contributes to university service.
- Researcher: Designs and conducts studies on child development, psychological disorders, interventions, assessment tools, or policy-relevant child and family issues.
| Degree level | Career pattern | Important limitation |
| Bachelor's | Entry-level, supervised, support-focused roles | Usually not enough for independent diagnosis or therapy |
| Master's | More specialized roles in schools, counseling-related settings, assessment support, or development programs | Licensure and scope of practice vary by state and job title |
| Doctorate | Independent clinical practice, research leadership, faculty roles, or advanced specialization | Requires the longest training timeline and often extensive supervised experience |
Students exploring earlier academic entry points can also review associates degrees, but those planning a long-term child psychology career should confirm whether associate-level credits transfer into a bachelor's program.
How Do Salaries Compare Among Bachelor's vs Master's vs Doctorate Child Psychology Graduates?
Salaries generally rise with degree level because advanced credentials can qualify graduates for more specialized, autonomous, clinical, supervisory, research, or academic responsibilities. However, earnings also depend on job title, state, employer, licensure, experience, and whether the role is in education, healthcare, private practice, nonprofit work, or research.
| Degree level | Typical salary range stated | Common role level |
| Bachelor's degree | $35,000 and $50,000 annually | Entry-level support, case management, behavioral assistance, or youth services |
| Master's degree | $50,000 to $70,000 | Advanced supervised, school-based, counseling-related, or developmental roles |
| Doctorate degree | $75,000 and $110,000 | Independent clinical practice, academia, research, or advanced specialization |
- Bachelor's degree: Graduates often begin in entry-level roles such as case management, behavioral support, youth services, or program assistance, earning between $35,000 and $50,000 annually. Advancement may require additional credentials or graduate education.
- Master's degree: Graduates may qualify for roles such as licensed mental health counselors, school psychologist assistants, or other specialized positions, with salaries generally ranging from $50,000 to $70,000. Actual pay depends heavily on licensure rules and work setting.
- Doctorate degree: A PhD or PsyD can lead to independent clinical work, research, teaching, or leadership roles, with average salaries falling between $75,000 and $110,000. Higher pay is often tied to licensure status, specialization, experience, and employer type.
Salary should not be the only factor in choosing a degree level. Students should also compare total education cost, time out of the workforce, licensure requirements, emotional demands of child-focused work, and whether the role they want truly requires graduate or doctoral training.
What Graduates Say About Their Child Psychology Degree Level
- : "Pursuing a bachelor's degree in child psychology was a clear choice for me, especially considering the average cost of attendance hovered around $25,000 per year. Though initially daunting, this investment opened doors to a rewarding career helping children in educational settings. I've grown passionate and confident thanks to the solid foundation this degree provided. — Lindy"
- : "Deciding to advance with a master's degree in child psychology was both a financial challenge and a professional milestone. The tuition costs, averaging $15,000 annually, felt steep, but the specialized knowledge and clinical experience I gained have been invaluable in my counseling career. Reflecting on my journey, this degree truly shaped my ability to support children and families effectively. — Susanna"
- : "Opting to earn a doctorate in child psychology involved significant commitment, including an average total program cost exceeding $50,000. Despite the investment, completing this degree dramatically elevated my research and clinical expertise, enabling me to contribute to groundbreaking work in developmental psychology. Professionally, it has been a defining step that reinforces my credibility and impact in the field. — Demi"
Other Things You Should Know About Child Psychology Degrees
Yes, in 2026, master's degree holders in child psychology typically require supervision to practice clinically. Clinical practice often involves completing supervised hours as part of gaining licensure to ensure competency in professional settings. Exact requirements can vary by jurisdiction.
Yes, most states require master's degree holders in child psychology to practice under supervision by a licensed psychologist or clinician. This supervised experience often precedes eligibility for independent licensure or certification, depending on the state's regulations. Master's degrees prepare graduates for roles like licensed psychological associates or counselors, but full independent practice usually requires further credentials.
No, to become a licensed child psychologist, a bachelor's degree is insufficient. In the U.S., state licensure typically requires a doctoral degree, such as a Ph.D. or Psy.D., in psychology. A master's degree may qualify for some related positions, but not for full licensure as a psychologist.
References
- Key Differences: Bachelors Vs Masters in Psychology [2026] https://www.psychologyschoolguide.net/bachelors-vs-masters-psychology/
- How Long Does It Take to Earn a PsyD? https://www.calsouthern.edu/articles/how-long-does-it-take-to-earn-a-psyd/
- Master's in Psychology Degree - Everything you need to know in 2025 - PsychologyJobs.com https://psychologyjobs.com/psychology-degrees/masters/
- What do you learn in a bachelor's in child development? | edX https://www.edx.org/resources/what-do-you-learn-in-a-bachelors-in-child-development
- Becoming a Psychologist - Canadian Psychological Association https://cpa.ca/students/career/becomingapsychologist/
- Bachelor of Science in Child Psychology | Crestpoint University https://www.crestpoint.edu/ChildPsychology
- Where do Psychology Majors End Up? Bachelor's vs. Master's Degrees https://www.onlineu.com/magazine/comparing-career-outcomes-psychology-degrees
- How much does a psychology major cost? | BestAccreditedColleges.org https://bestaccreditedcolleges.org/articles/careers-and-education/how-much-does-a-psychology-major-cost.html
- Child and Adolescent Psychology, MSc https://www.gre.ac.uk/postgraduate-courses/eduhea/childadolpsych
- Financial Aid for Psychology Students https://www.onlinepsychologydegrees.com/financial-aid/