Median Earnings (1yr)
$37,836
56th percentile (60th in MD)
Median Debt
$26,000
1% below national median
Debt-to-Earnings
0.69
Manageable
Sample Size
24
Limited data

Analysis

With a small sample size requiring caution, Frostburg State's social work program appears to offer reasonable value for Maryland students, with first-year earnings of $37,836 slightly outperforming both state and national medians. Among Maryland's 10 social work programs, this places graduates in the 60th percentile—respectable for a highly accessible institution with an 89% acceptance rate. The $26,000 debt load translates to a manageable 0.69 debt-to-earnings ratio, meaning graduates owe roughly eight months of their first-year salary.

The bigger question is whether social work itself makes financial sense. Starting near $38,000 for a helping profession that typically requires graduate education for career advancement is the industry reality, not a Frostburg-specific problem. This program positions students comparably to UMBC ($40,316) and Morgan State ($39,059) without the potential higher costs of more selective schools.

For families committed to social work, Frostburg delivers on-par results at a state school price point. The modest debt burden matters more here than in higher-earning fields—you don't want your child starting a service career underwater financially. Just remember these numbers reflect fewer than 30 graduates, so individual outcomes may vary considerably. One advantage: a third of students receive Pell grants, suggesting the school understands its mission serves students who need affordable pathways into social services.

Where Frostburg State University Stands

Earnings vs. debt across all social work bachelors's programs nationally

Frostburg State 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 Frostburg State University graduates compare to all programs nationally

Frostburg State University graduates earn $38k, placing them in the 56th percentile of all social work bachelors programs nationally.

Compare to Similar Programs in Maryland

Social Work bachelors's programs at peer institutions in Maryland (10 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Frostburg State University$37,836—$26,0000.69
University of Maryland-Baltimore County$40,316$52,571$22,5000.56
Morgan State University$39,059$49,525$35,0000.90
Coppin State University$37,612$44,797$28,7500.76
Salisbury University$34,917$51,043$23,5520.67
Bowie State University$32,989$51,598$31,0000.94
National Median$37,296—$26,3620.71

Other Social Work Programs in Maryland

Compare tuition, earnings, and debt across Maryland schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Maryland-Baltimore County
Baltimore
$12,952$40,316$22,500
Morgan State University
Baltimore
$8,118$39,059$35,000
Coppin State University
Baltimore
$7,001$37,612$28,750
Salisbury University
Salisbury
$10,638$34,917$23,552
Bowie State University
Bowie
$8,999$32,989$31,000

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 Frostburg State University, approximately 33% 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 24 graduates with reported earnings and 41 graduates with debt data. Small samples may not be representative.