Analysis
Saint Cloud State's social work program significantly outperforms the national landscape—graduates earn $43,726 in their first year, landing in the 95th percentile nationally. However, within Minnesota's competitive social work market, this performance is more modest, ranking in the 40th percentile among 17 programs. State graduates earn a median of $44,546, suggesting Saint Cloud trails slightly behind what has become a strong statewide baseline for this field. For context, Metropolitan State and Bemidji State graduates are earning roughly $3,500-$4,000 more annually.
The debt picture looks reasonable at $27,996, producing a manageable 0.64 debt-to-earnings ratio. Graduates see steady income growth to $48,016 by year four—a respectable 10% increase that suggests career stability in the field. For an open-access institution (95% admission rate), these outcomes demonstrate effective program delivery, particularly for students who may face barriers to more selective schools.
The value proposition here depends on geography and alternatives. If your child plans to stay in Minnesota and can access programs like Metropolitan State or Bemidji State without additional barriers, those might offer stronger earning potential. But Saint Cloud State delivers solid, reliable outcomes at a debt level that won't become crushing on a social worker's salary—a critical consideration for a helping profession where passion often matters more than peak earnings.
Where Saint Cloud State University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Earnings Distribution
How Saint Cloud State University 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 |
|---|---|---|---|
| Saint Cloud State University | $43,726 | $48,016 | +10% |
| St Catherine University | $44,257 | $55,686 | +26% |
| Bemidji State University | $47,192 | $48,772 | +3% |
| Winona State University | $44,546 | $48,600 | +9% |
| The College of Saint Scholastica | $45,371 | $48,482 | +7% |
Compare to Similar Programs in Minnesota
Social Work bachelors's programs at peer institutions in Minnesota (17 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $10,117 | $43,726 | $48,016 | $27,996 | 0.64 | |
| $9,780 | $47,637 | $47,860 | $29,615 | 0.62 | |
| $10,164 | $47,192 | $48,772 | $27,000 | 0.57 | |
| $10,304 | $46,368 | $44,189 | — | — | |
| $40,454 | $45,371 | $48,482 | $37,059 | 0.82 | |
| $42,930 | $45,259 | $45,919 | $25,000 | 0.55 | |
| 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 Saint Cloud State University, approximately 20% 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 90 graduates with reported earnings and 112 graduates with debt data. Small samples may not be representative.