Median Earnings (1yr)
$31,692
17th percentile (40th in KY)
Median Debt
$28,000
6% above national median
Debt-to-Earnings
0.88
Manageable
Sample Size
93
Adequate data

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

Murray State UniversityOther social work programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Murray State University graduates compare to all programs nationally

Murray State University graduates earn $32k, placing them in the 17th percentile of all social work bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Kentucky

Social Work bachelors's programs at peer institutions in Kentucky (15 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Murray State University$31,692$34,856$28,0000.88
Brescia University$37,841$43,165$49,2541.30
Northern Kentucky University$37,037$39,098$28,9060.78
University of Kentucky$36,312$38,817$26,8750.74
Morehead State University$35,300$35,689$32,0020.91
University of Louisville$35,257$40,047$25,2090.72
National Median$37,296—$26,3620.71

Other Social Work Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Brescia University
Owensboro
$30,450$37,841$49,254
Northern Kentucky University
Highland Heights
$10,896$37,037$28,906
University of Kentucky
Lexington
$13,212$36,312$26,875
Morehead State University
Morehead
$9,838$35,300$32,002
University of Louisville
Louisville
$12,828$35,257$25,209

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.