Median Earnings (1yr)
$31,692
17th percentile
40th percentile in Kentucky
Median Debt
$28,000
6% above national median

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

School1 Year4 YearsGrowth
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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SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Murray State UniversityMurray$9,708$31,692$34,856$28,0000.88
Brescia UniversityOwensboro$30,450$37,841$43,165$49,2541.30
Northern Kentucky UniversityHighland Heights$10,896$37,037$39,098$28,9060.78
University of KentuckyLexington$13,212$36,312$38,817$26,8750.74
Morehead State UniversityMorehead$9,838$35,300$35,689$32,0020.91
University of LouisvilleLouisville$12,828$35,257$40,047$25,2090.72
National Median$37,296$26,3620.71

Career Paths

Occupations commonly associated with social work graduates

Social Work Teachers, Postsecondary

Teach courses in social work. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Social and Community Service Managers

Plan, direct, or coordinate the activities of a social service program or community outreach organization. Oversee the program or organization's budget and policies regarding participant involvement, program requirements, and benefits. Work may involve directing social workers, counselors, or probation officers.

$78,240/yrJobs growth:Bachelor's degree

Probation Officers and Correctional Treatment Specialists

Provide social services to assist in rehabilitation of law offenders in custody or on probation or parole. Make recommendations for actions involving formulation of rehabilitation plan and treatment of offender, including conditional release and education and employment stipulations.

$64,520/yrJobs growth:Bachelor's degree

Marriage and Family Therapists

Diagnose and treat mental and emotional disorders, whether cognitive, affective, or behavioral, within the context of marriage and family systems. Apply psychotherapeutic and family systems theories and techniques in the delivery of services to individuals, couples, and families for the purpose of treating such diagnosed nervous and mental disorders.

$63,780/yrJobs growth:Master's degree

Child, Family, and School Social Workers

Provide social services and assistance to improve the social and psychological functioning of children and their families and to maximize the family well-being and the academic functioning of children. May assist parents, arrange adoptions, and find foster homes for abandoned or abused children. In schools, they address such problems as teenage pregnancy, misbehavior, and truancy. May also advise teachers.

$61,330/yrJobs growth:

Healthcare Social Workers

Provide individuals, families, and groups with the psychosocial support needed to cope with chronic, acute, or terminal illnesses. Services include advising family caregivers. Provide patients with information and counseling, and make referrals for other services. May also provide case and care management or interventions designed to promote health, prevent disease, and address barriers to access to healthcare.

$61,330/yrJobs growth:

Mental Health and Substance Abuse Social Workers

Assess and treat individuals with mental, emotional, or substance abuse problems, including abuse of alcohol, tobacco, and/or other drugs. Activities may include individual and group therapy, crisis intervention, case management, client advocacy, prevention, and education.

$61,330/yrJobs growth:

Social Workers, All Other

All social workers not listed separately.

$61,330/yrJobs growth:

Counselors, All Other

All counselors not listed separately.

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.