Analysis
Rutgers-Newark's social work program places graduates above the national median by $2,600, though within New Jersey it sits right at the middle of the pack—outperformed by Seton Hall's program but matching what other Rutgers campuses deliver. The 60th percentile ranking among state programs matters here since most social work students stay local for employment, and the reality is that New Jersey's higher cost of living doesn't translate to proportionally higher social work salaries compared to other states.
The program serves a predominantly first-generation, lower-income population (56% Pell recipients) and keeps debt manageable at $25,000—exactly matching the state median and coming in below the national average. The debt-to-earnings ratio of 0.63 means graduates owe roughly eight months of their first-year salary, which is reasonable for a helping profession that traditionally pays modest starting wages. The 18% earnings bump by year four suggests career progression is possible, even if the $46,912 four-year mark remains modest in absolute terms.
For families concerned about ROI, this program offers solid value if your child is committed to social work specifically. The earnings won't be impressive compared to business or STEM fields, but they're competitive for the profession, the debt burden is controlled, and the mission-driven work environment at Rutgers-Newark aligns with what draws most students to social work in the first place.
Where Rutgers University-Newark Stands
Earnings vs. debt across all social work bachelors's programs nationally
Earnings Distribution
How Rutgers University-Newark graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Rutgers University-Newark | $39,936 | $46,912 | +17% |
| Ramapo College of New Jersey | $31,210 | $52,763 | +69% |
| Seton Hall University | $47,734 | $48,702 | +2% |
| Stockton University | $37,749 | $48,414 | +28% |
| Rutgers University-Camden | $39,936 | $46,912 | +17% |
Compare to Similar Programs in New Jersey
Social Work bachelors's programs at peer institutions in New Jersey (12 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $16,586 | $39,936 | $46,912 | $25,000 | 0.63 | |
| $51,370 | $47,734 | $48,702 | $25,721 | 0.54 | |
| $17,079 | $39,936 | $46,912 | $25,000 | 0.63 | |
| $17,239 | $39,936 | $46,912 | $25,000 | 0.63 | |
| $37,110 | $38,530 | $46,868 | $23,000 | 0.60 | |
| $15,532 | $37,749 | $48,414 | $27,000 | 0.72 | |
| 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 Rutgers University-Newark, approximately 56% 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 186 graduates with reported earnings and 392 graduates with debt data. Small samples may not be representative.