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
Earnings Distribution
How Frostburg State University graduates compare to all programs nationally
Compare to Similar Programs in Maryland
Social Work bachelors's programs at peer institutions in Maryland (10 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $9,998 | $37,836 | — | $26,000 | 0.69 | |
| $12,952 | $40,316 | $52,571 | $22,500 | 0.56 | |
| $8,118 | $39,059 | $49,525 | $35,000 | 0.90 | |
| $7,001 | $37,612 | $44,797 | $28,750 | 0.76 | |
| $10,638 | $34,917 | $51,043 | $23,552 | 0.67 | |
| $8,999 | $32,989 | $51,598 | $31,000 | 0.94 | |
| 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 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.