Analysis
A 0.73 debt-to-earnings ratio suggests graduates could theoretically repay their loans within a year if they devoted their entire first-year salary to it—a manageable scenario for a helping profession. Based on comparable social work programs in Texas, the estimated $27,125 in debt falls right in line with what students typically borrow statewide ($27,000 median), while first-year earnings of around $37,400 track closely with both state and national benchmarks for bachelor's-level social workers.
The challenge lies in context: social work is a field where earnings grow primarily through additional credentials rather than experience alone. Several Texas programs with reported outcomes—Texas Southern, Prairie View A&M, Texas Woman's—show graduates earning $2,000-$5,000 more in their first year. For a profession where master's degrees often become necessary for advancement and licensure, starting behind the pack matters. With 52% of Jarvis Christian students receiving Pell grants, many graduates may be supporting families or carrying additional financial obligations that make even moderate debt burdensome on entry-level nonprofit salaries.
If your child is committed to social work and values Jarvis Christian's mission and community, the estimated numbers aren't alarming—they're typical for the field. But if maximizing early earnings or minimizing debt is critical, comparison-shopping among Texas's 35 social work programs makes sense, particularly since some offer better starting outcomes without dramatically different borrowing levels.
Where Jarvis Christian University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in Texas
Social Work bachelors's programs at peer institutions in Texas (35 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $11,720 | $37,401* | — | $27,125* | — | |
| $9,173 | $42,333* | $43,618 | $38,162* | 0.90 | |
| $11,299 | $40,667* | $42,875 | $31,750* | 0.78 | |
| $8,648 | $40,340* | $48,113 | $24,000* | 0.59 | |
| $10,310 | $39,215* | $41,129 | $35,135* | 0.90 | |
| $8,319 | $38,771* | $40,468 | $27,178* | 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 Jarvis Christian University, approximately 52% 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 24 similar programs in TX. Actual outcomes may vary.