Analysis
Calvin University's social work program starts graduates at $31,584—notably below both the state median of $37,858 and the national average. At the 25th percentile among Michigan social work programs, it trails state leaders like University of Michigan-Flint and Wayne State by $8,000-9,000 annually. The silver lining is strong earnings growth: graduates see a 40% increase by year four, reaching $44,349. That trajectory suggests the program may emphasize skills that take time to monetize in the field.
The debt picture is manageable, with $27,000 matching both state and national medians. A debt-to-earnings ratio of 0.85 means graduates should be able to handle payments, though the first-year earnings of just under $32,000 will feel tight in practice. Social work typically requires passion over profit, but these early earnings are low even by the field's modest standards.
The small sample size here is critical—with fewer than 30 graduates reporting data, these numbers could swing significantly with just a few outliers. For families committed to Calvin's Christian mission and campus community, this program won't derail financial futures, but prospective students should understand they'll likely earn less initially than peers at nearby public universities while paying similar private school costs.
Where Calvin University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Earnings Distribution
How Calvin University graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Calvin University | $31,584 | $44,349 | +40% |
| Michigan State University | $34,089 | $49,259 | +45% |
| Hope College | $37,270 | $48,054 | +29% |
| Saginaw Valley State University | $38,503 | $47,583 | +24% |
| Western Michigan University | $37,205 | $46,946 | +26% |
Compare to Similar Programs in Michigan
Social Work bachelors's programs at peer institutions in Michigan (23 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $38,670 | $31,584 | $44,349 | $27,000 | 0.85 | |
| $14,014 | $40,371 | $46,279 | $38,000 | 0.94 | |
| $14,297 | $39,774 | $41,817 | $28,012 | 0.70 | |
| $32,580 | $39,071 | $44,456 | $29,893 | 0.77 | |
| $13,630 | $38,870 | $43,864 | $27,500 | 0.71 | |
| $15,510 | $38,517 | $43,619 | $31,111 | 0.81 | |
| National Median | — | $37,296 | — | $26,362 | 0.71 |
Career Paths
Occupations commonly associated with social work graduates
Social Work Teachers, Postsecondary
Social and Community Service Managers
Probation Officers and Correctional Treatment Specialists
Marriage and Family Therapists
Child, Family, and School Social Workers
Healthcare Social Workers
Mental Health and Substance Abuse Social Workers
Social Workers, All Other
Counselors, All Other
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Calvin University, approximately 14% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Sample Size: Based on 21 graduates with reported earnings and 27 graduates with debt data. Small samples may not be representative.