Analysis
Indiana University-South Bend's social work graduates earn exactly at the state median ($37,812), but rack up notably less debt than most Indiana peers—$24,263 versus $27,000 statewide. That $2,700 difference matters: with a debt-to-earnings ratio of just 0.64, graduates carry manageable loan burdens compared to the typical social worker. While earnings trail IU-Indianapolis by nearly $4,000, the lower debt partially offsets this gap. The 16% earnings growth to nearly $44,000 by year four suggests reasonable career progression, though social work remains a modestly-paying field regardless of where you study.
The broader context here is important: social work is a calling that doesn't generate high salaries anywhere. At $37,812 in year one, these graduates earn right at the national median for the field. Among Indiana's 23 social work programs, this lands in the 60th percentile—solidly middle-of-the-pack performance. The school serves a significant population of Pell grant recipients (41%), and the relatively contained debt load suggests it's fulfilling its access mission without overleveraging students.
For families committed to social work, IU-South Bend offers reasonable value: typical earnings for the field, below-average debt, and room for growth. You're not getting the earnings premium of the flagship Bloomington campus, but you're also not gambling on an outlier program that might leave your child financially strained in an already low-paying profession.
Where Indiana University-South Bend Stands
Earnings vs. debt across all social work bachelors's programs nationally
Earnings Distribution
How Indiana University-South Bend graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Indiana University-South Bend | $37,812 | $43,993 | +16% |
| Indiana University-Bloomington | $39,695 | $46,124 | +16% |
| Indiana University-Indianapolis | $41,657 | $44,208 | +6% |
| Indiana State University | $36,294 | $43,760 | +21% |
| University of Indianapolis | $36,399 | $42,695 | +17% |
Compare to Similar Programs in Indiana
Social Work bachelors's programs at peer institutions in Indiana (23 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $8,179 | $37,812 | $43,993 | $24,263 | 0.64 | |
| $10,449 | $41,657 | $44,208 | $18,410 | 0.44 | |
| $35,420 | $40,532 | $37,787 | — | — | |
| $11,790 | $39,695 | $46,124 | $14,506 | 0.37 | |
| $10,758 | $39,094 | $42,239 | $23,900 | 0.61 | |
| $8,179 | $38,652 | $42,686 | $30,924 | 0.80 | |
| 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 Indiana University-South Bend, 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.
Sample Size: Based on 33 graduates with reported earnings and 61 graduates with debt data. Small samples may not be representative.