Analysis
Borrowing $27,000 for a bachelor's in social work that leads to earnings around $36,300 creates a workable but tight financial picture. Social work programs across Pennsylvania cluster in a narrow band—the state median sits at essentially the same figure—suggesting this field offers stable but modest entry compensation regardless of where you study. The debt-to-earnings ratio of 0.74 means graduates would face a loan burden equal to about three-quarters of their first-year salary, which is manageable but leaves little room for financial surprises.
Pennsylvania's social work graduates enter a field where even the state's highest-earning programs rarely push beyond $41,000 in year one. The figures estimated from peer programs suggest Marywood tracks close to this statewide norm, neither distinguishing itself as a premium option nor raising red flags compared to alternatives. For context, the national median for social work bachelor's degrees is virtually identical at $37,296, confirming this is simply what the profession pays early-career workers nationwide.
The practical challenge: social work demands post-bachelor's credentials for many career paths, meaning additional education costs may lie ahead. If your child is committed to this field specifically, the debt load here won't derail them, but it will require disciplined budgeting in those crucial first years. Compare closely with Pennsylvania's public universities, where some offer similar outcomes at potentially lower costs.
Where Marywood University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in Pennsylvania
Social Work bachelors's programs at peer institutions in Pennsylvania (33 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $39,570 | $36,299* | — | $27,000* | — | |
| $21,524 | $40,836* | $40,913 | $22,000* | 0.54 | |
| $22,082 | $39,055* | $46,307 | $27,000* | 0.69 | |
| $35,570 | $37,453* | — | $33,206* | 0.89 | |
| $13,544 | $37,206* | $42,457 | $26,982* | 0.73 | |
| $11,230 | $37,135* | $39,647 | $26,624* | 0.72 | |
| 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 Marywood University, approximately 29% 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 12 similar programs in PA. Actual outcomes may vary.