Analysis
Social work programs in Massachusetts consistently produce graduates earning around $40,000 in their first year—a figure that holds whether students attend public universities like Salem State or smaller private colleges. Eastern Nazarene's estimated outcomes align squarely with this state pattern: comparable programs suggest first-year earnings near $40,000 against roughly $27,000 in debt. That 0.67 debt-to-earnings ratio sits comfortably below the concerning 1.0 threshold, meaning graduates would devote a manageable portion of early earnings to loan payments.
The caveat here is that social work isn't a high-paying field regardless of where you study it. The national median of $37,000 confirms what Massachusetts data already shows—these programs prepare students for important but modestly compensated work. Even top performers in the state barely crack $45,000. Parents should understand that choosing social work means choosing purpose over profit, and Eastern Nazarene's estimated debt load doesn't add unnecessary financial burden to that choice.
The practical question is whether paying private college tuition makes sense when Massachusetts public universities produce similar outcomes at lower cost. If your child is drawn to Eastern Nazarene's smaller community or faith-based mission, the estimated debt appears manageable for the field. But purely from an investment perspective, peer programs at state schools offer comparable preparation with less financial risk.
Where Eastern Nazarene College Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in Massachusetts
Social Work bachelors's programs at peer institutions in Massachusetts (14 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $28,610 | $40,161* | — | $27,000* | — | |
| $11,978 | $45,450* | $41,045 | $27,000* | 0.59 | |
| $15,496 | $45,227* | $47,217 | $27,947* | 0.62 | |
| $11,389 | $41,187* | $45,628 | $27,000* | 0.66 | |
| $42,061 | $40,161* | $48,462 | $31,682* | 0.79 | |
| $11,882 | $38,596* | $48,979 | $27,000* | 0.70 | |
| 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 Eastern Nazarene College, approximately 35% 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 7 similar programs in MA. Actual outcomes may vary.