Analysis
A $27,125 debt load for first-year earnings around $37,400 creates manageable pressure for Nelson University's social work graduates—comparable programs in Texas suggest an initial debt-to-income ratio of 0.73, well within sustainable territory for entry-level social workers. This puts the program squarely in the middle of the pack, with peer schools' actual outcomes ranging from $38,771 at Angelo State down to the state median of $37,401. For context, some Texas programs like Texas Southern ($42,333) produce notably stronger early earnings, though the $5,000 difference amounts to roughly $400 monthly before taxes.
What matters most here is the field itself: social work salaries tend to grow modestly but steadily with licensure and experience, making that initial debt burden more about short-term belt-tightening than long-term crisis. The estimated figures suggest graduates will spend a few years managing loan payments carefully, but the debt isn't outsize enough to derail the career path. At an 84% admission rate serving a population where half receive Pell grants, Nelson appears to provide an accessible entry point to a helping profession.
The bottom line: if your child is committed to social work, this program's estimated numbers don't present red flags, but they also don't suggest exceptional value. The debt is reasonable, earnings track with state norms, and the financial picture looks serviceable rather than standout.
Where Nelson 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 |
|---|---|---|---|---|---|
| $18,610 | $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 Nelson University, approximately 50% 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.