Analysis
With Social Work programs across California showing widely different returns—from San Francisco State's $48,750 down to the state median of $37,994—Pacific Union College's estimated outcomes land right at that median for earnings but significantly higher for debt. Based on comparable programs at similar California institutions, students here likely graduate with around $30,000 in loans, nearly double the state's median debt load of $17,259 for this degree.
That $30,000 debt burden against first-year earnings around $38,000 creates a debt-to-earnings ratio of 0.79—manageable but tighter than ideal for a helping profession known for modest starting salaries. Social Work graduates nationally earn a median of $37,296, so the earnings trajectory appears fairly standard. The concern is whether Pacific Union College's higher debt load (presumably reflecting its private college pricing) delivers enough value beyond what students might get at a CSU campus, where similar programs produce comparable earnings with roughly half the debt.
For families committed to Pacific Union College's faith-based environment or smaller campus setting, this investment may align with other priorities. But purely from a financial standpoint, the estimated numbers suggest students could achieve similar career outcomes elsewhere in California's public system while preserving significantly more financial flexibility in their early career years.
Where Pacific Union College Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in California
Social Work bachelors's programs at peer institutions in California (26 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $35,214 | $37,995* | — | $30,000* | — | |
| $7,424 | $48,750* | $56,474 | $17,259* | 0.35 | |
| $14,850 | $44,906* | $60,405 | $13,719* | 0.31 | |
| $7,008 | $42,925* | $59,826 | $11,276* | 0.26 | |
| $35,910 | $42,213* | $60,961 | $35,500* | 0.84 | |
| $12,520 | $41,327* | $45,868 | $34,250* | 0.83 | |
| 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 Pacific Union College, approximately 33% 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 16 similar programs in CA. Actual outcomes may vary.