Analysis
Based on what peer programs across Pennsylvania typically produce, Carlow's social work bachelor's degree appears to deliver solid outcomes for students drawn to this helping profession. With estimated first-year earnings around $36,300 and confirmed four-year earnings of $41,900, graduates track closely with both state and national benchmarks—social work simply isn't a high-earning field out of the gate, regardless of where you study it.
The estimated $27,000 in debt sits right at Pennsylvania's median for this degree, yielding a manageable debt-to-earnings ratio of 0.74. That means graduates likely face reasonable repayment burdens relative to what similar programs produce statewide. The four-year earnings jump to nearly $42,000 suggests meaningful salary progression as social workers gain licensure and experience, which matters in a field where advanced credentials often unlock better-paying positions.
What's worth noting is how compressed the outcomes are among Pennsylvania's social work programs—even top programs like Pitt and Temple produce first-year earnings only $3,000-$4,500 higher than the state median. This suggests school prestige matters less here than in many fields, and Carlow's focus on serving first-generation and working-class students (41% receive Pell grants) without saddling them with outsized debt represents a reasonable value proposition. If your child feels called to direct service work, these estimated figures suggest Carlow provides a viable path without the financial strain that would make this already-modest career trajectory genuinely difficult.
Where Carlow University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Carlow University | — | $41,909 | — |
| Temple University | $39,055 | $46,307 | +19% |
| East Stroudsburg University of Pennsylvania | $32,208 | $44,842 | +39% |
| Millersville University of Pennsylvania | $33,119 | $42,946 | +30% |
| Eastern University | $36,308 | $42,847 | +18% |
Compare to Similar Programs in Pennsylvania
Social Work bachelors's programs at peer institutions in Pennsylvania (33 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $34,502 | $36,299* | $41,909 | $27,000* | — | |
| $21,524 | $40,836* | $40,913 | $22,000* | 0.54 | |
| $22,082 | $39,055* | $46,307 | $27,000* | 0.69 | |
| $35,570 | $37,453* | — | $33,206* | 0.89 | |
| $13,544 | $37,206* | $42,457 | $26,982* | 0.73 | |
| $11,230 | $37,135* | $39,647 | $26,624* | 0.72 | |
| 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 Carlow University, approximately 41% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 12 similar programs in PA. Actual outcomes may vary.