Analysis
Murray State's social work program lands near the middle of Kentucky options but trails the national picture by a significant margin. At $31,692 in first-year earnings, graduates earn about 15% less than the national median for social work majors and roughly 10% below Kentucky's median. That 40th percentile state ranking means three of every five Kentucky social work programs produce better initial outcomes. The debt burden of $28,000 matches the state median but sits slightly above the national benchmark, creating a debt-to-earnings ratio that requires nearly a full year's salary to repay.
The modest 10% earnings growth to $34,856 by year four offers some improvement, but even at that point, Murray State graduates remain behind peers from Brescia, Northern Kentucky, and UK—schools that start their grads $3,000-$6,000 higher. For families considering this program, the core question becomes whether Murray State's lower selectivity and regional accessibility justify accepting below-average earnings in a field already known for modest pay.
This isn't a disastrous outcome—the debt load is manageable and earnings do climb—but parents should know their child would likely start their social work career earning less than most Kentucky peers and considerably less than the typical social work graduate nationwide. If Murray State offers substantial cost advantages through scholarships or proximity to home, that could offset the earnings gap, but purely on post-graduation numbers, stronger options exist within the state.
Where Murray State University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Earnings Distribution
How Murray State University 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 |
|---|---|---|---|
| Murray State University | $31,692 | $34,856 | +10% |
| Brescia University | $37,841 | $43,165 | +14% |
| Eastern Kentucky University | $33,575 | $40,235 | +20% |
| University of Louisville | $35,257 | $40,047 | +14% |
| Northern Kentucky University | $37,037 | $39,098 | +6% |
Compare to Similar Programs in Kentucky
Social Work bachelors's programs at peer institutions in Kentucky (15 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $9,708 | $31,692 | $34,856 | $28,000 | 0.88 | |
| $30,450 | $37,841 | $43,165 | $49,254 | 1.30 | |
| $10,896 | $37,037 | $39,098 | $28,906 | 0.78 | |
| $13,212 | $36,312 | $38,817 | $26,875 | 0.74 | |
| $9,838 | $35,300 | $35,689 | $32,002 | 0.91 | |
| $12,828 | $35,257 | $40,047 | $25,209 | 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 Murray State University, approximately 31% 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 93 graduates with reported earnings and 119 graduates with debt data. Small samples may not be representative.