Human Services at Saint Edward's University

A Bachelor's in Human Services from Saint Edward's carries an estimated debt load of $32,524—roughly in line with what similar programs cost nationally, though notably lower than the typical $38,796 seen across Texas schools. The challenge lies in the earnings side: based on national peer programs, first-year graduates can expect around $36,630, which translates to a debt-to-earnings ratio of 0.89. That's manageable in theory—less than a year's salary—but tight in practice for someone entering helping professions that often demand emotional labor without premium compensation.

Texas programs in this field tell a sobering story. The state median sits at just $33,082, nearly $3,500 below the national figure, suggesting regional pay scales don't favor human services work despite Austin's relatively strong economy. Saint Edward's serves a meaningful population of first-generation college students (39% receive Pell grants), and for those families especially, borrowing $32,000 to earn $36,000 requires honest budgeting conversations about loan payments eating into monthly take-home pay.

The practical reality: if your child is passionate about social work, counseling, or nonprofit service, this degree opens necessary doors, but financial breathing room won't arrive quickly. Plan for modest starter salaries, consider whether graduate school might be required for career advancement (adding more debt), and ensure your student understands that impact-driven work often means living frugally early on.