Median Earnings (1yr)
$43,726
95th percentile (40th in MN)
Median Debt
$27,996
6% above national median
Debt-to-Earnings
0.64
Manageable
Sample Size
90
Adequate data

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

Saint Cloud State UniversityOther social work programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Saint Cloud State University graduates compare to all programs nationally

Saint Cloud State University graduates earn $44k, placing them in the 95th percentile of all social work bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Minnesota

Social Work bachelors's programs at peer institutions in Minnesota (17 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Saint Cloud State University$43,726$48,016$27,9960.64
Metropolitan State University$47,637$47,860$29,6150.62
Bemidji State University$47,192$48,772$27,0000.57
Southwest Minnesota State University$46,368$44,189——
The College of Saint Scholastica$45,371$48,482$37,0590.82
Bethel University$45,259$45,919$25,0000.55
National Median$37,296—$26,3620.71

Other Social Work Programs in Minnesota

Compare tuition, earnings, and debt across Minnesota schools

SchoolIn-State TuitionEarnings (1yr)Debt
Metropolitan State University
Saint Paul
$9,780$47,637$29,615
Bemidji State University
Bemidji
$10,164$47,192$27,000
Southwest Minnesota State University
Marshall
$10,304$46,368—
The College of Saint Scholastica
Duluth
$40,454$45,371$37,059
Bethel University
Saint Paul
$42,930$45,259$25,000

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.