Median Earnings (1yr)
$31,584
17th percentile (25th in MI)
Median Debt
$27,000
2% above national median
Debt-to-Earnings
0.85
Manageable
Sample Size
21
Limited data

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

Calvin UniversityOther social work programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Calvin University graduates compare to all programs nationally

Calvin University graduates earn $32k, placing them in the 17th percentile of all social work bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Michigan

Social Work bachelors's programs at peer institutions in Michigan (23 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Calvin University$31,584$44,349$27,0000.85
University of Michigan-Flint$40,371$46,279$38,0000.94
Wayne State University$39,774$41,817$28,0120.70
Spring Arbor University$39,071$44,456$29,8930.77
Ferris State University$38,870$43,864$27,5000.71
Eastern Michigan University$38,517$43,619$31,1110.81
National Median$37,296—$26,3620.71

Other Social Work Programs in Michigan

Compare tuition, earnings, and debt across Michigan schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Michigan-Flint
Flint
$14,014$40,371$38,000
Wayne State University
Detroit
$14,297$39,774$28,012
Spring Arbor University
Spring Arbor
$32,580$39,071$29,893
Ferris State University
Big Rapids
$13,630$38,870$27,500
Eastern Michigan University
Ypsilanti
$15,510$38,517$31,111

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.