Analysis
Passaic County Community College's social work program appears positioned around the state median, though both earnings and debt figures are estimates drawn from peer institutions across New Jersey. Similar programs in the state suggest first-year earnings of $37,250 with debt around $14,131—a debt-to-earnings ratio of 0.38 that's manageable by industry standards. What's puzzling here is the four-year earnings drop to $35,018 in actual reported data, which runs counter to typical career progression and may reflect career path shifts or the need for further education that's common in social work.
The estimated figures put this program ahead of the national median for associate-level social work programs ($29,768), though it's worth noting that New Jersey's higher cost of living may offset this advantage. Social work often requires a bachelor's or master's degree for advancement and licensure, so an associate degree typically serves as either an entry point to the field or a stepping stone to further education. With over half of students receiving Pell grants, this could represent an affordable way to test the field before committing to a four-year program.
The practical takeaway: if your child plans to stop at an associate degree, understand that career options will be limited to support roles rather than clinical social work. If they're using this as a transfer pathway, the estimated debt load is reasonable—but verify transfer agreements and make sure credits will count toward a bachelor's program.
Where Passaic County Community College Stands
Earnings vs. debt across all social work associates's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Passaic County Community College | — | $35,018 | — |
| Austin Community College District | $34,003 | $46,281 | +36% |
| Rowan College of South Jersey-Cumberland Campus | $37,250 | $41,408 | +11% |
| Rowan College of South Jersey-Gloucester Campus | $37,250 | $41,408 | +11% |
| Camden County College | $24,616 | $37,396 | +52% |
Compare to Similar Programs in New Jersey
Social Work associates's programs at peer institutions in New Jersey (9 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $5,580 | $37,250* | $35,018 | $14,131* | — | |
| $4,980 | $37,250* | $41,408 | $15,803* | 0.42 | |
| $4,980 | $37,250* | $41,408 | $15,803* | 0.42 | |
| $3,960 | $24,616* | $37,396 | $9,219* | 0.37 | |
| National Median | — | $29,768* | — | $17,033* | 0.57 |
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 Passaic County Community College, approximately 53% 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 3 similar programs in NJ. Actual outcomes may vary.