Median Earnings (1yr)
$45,450
95th percentile (60th in MA)
Median Debt
$27,000
2% above national median
Debt-to-Earnings
0.59
Manageable
Sample Size
61
Adequate data

Analysis

Salem State's social work graduates start strong, earning $45,450 in their first year—well above both the national median ($37,296) and Massachusetts average ($40,161) for the field. That puts this program in the 95th percentile nationally and solidly above the state median, competing directly with UMass Boston's outcomes. The $27,000 in typical debt is manageable at just 0.59 times first-year earnings, meaning graduates could reasonably pay it off within a few years even on social work salaries.

The challenge is what happens next: earnings drop to $41,045 by year four, a 10% decline that's unusual but not uncommon in social work as graduates move between roles or sectors with varying pay scales. Still, even with this dip, graduates remain competitive with other Massachusetts programs. The accessible admissions (96% acceptance rate) and moderate sample size suggest this data reflects real program outcomes, not a handful of exceptional cases.

For families concerned about debt in a helping profession, this program makes the math work. Your child would start with earnings that exceed most social work graduates nationally while taking on debt typical for the field. The salary trajectory deserves a conversation about career planning, but the fundamentals—strong starting point, manageable debt, clear labor market demand—are sound.

Where Salem State University Stands

Earnings vs. debt across all social work bachelors's programs nationally

Salem 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 Salem State University graduates compare to all programs nationally

Salem State University graduates earn $45k, 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 Massachusetts

Social Work bachelors's programs at peer institutions in Massachusetts (14 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Salem State University$45,450$41,045$27,0000.59
University of Massachusetts-Boston$45,227$47,217$27,9470.62
Bridgewater State University$41,187$45,628$27,0000.66
College of Our Lady of the Elms$40,161$48,462$31,6820.79
Westfield State University$38,596$48,979$27,0000.70
Simmons University$34,496$58,336$27,0000.78
National Median$37,296—$26,3620.71

Other Social Work Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Massachusetts-Boston
Boston
$15,496$45,227$27,947
Bridgewater State University
Bridgewater
$11,389$41,187$27,000
College of Our Lady of the Elms
Chicopee
$42,061$40,161$31,682
Westfield State University
Westfield
$11,882$38,596$27,000
Simmons University
Boston
$45,538$34,496$27,000

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 Salem State University, approximately 35% 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 61 graduates with reported earnings and 90 graduates with debt data. Small samples may not be representative.