Analysis
Borrowing $27,000 for a social work degree that leads to first-year earnings around $37,858—figures drawn from comparable Michigan programs—produces a manageable but tight debt-to-earnings ratio of 0.71. This falls squarely in line with what most social work bachelor's programs deliver nationally, where median debt of $26,362 finances median earnings of $37,296. The field itself, not the school, drives these economics: social work pays modestly but predictably across the country.
What makes this estimate particularly uncertain is that both earnings and debt figures come from peer programs in Michigan rather than Siena Heights' actual graduate outcomes. The state's top-performing social work programs—Michigan-Flint, Wayne State, Spring Arbor—report earnings between $38,500 and $40,400, suggesting a narrow range statewide. If Siena Heights tracks with its state peers, graduates would face monthly loan payments around $300 on an income that leaves little cushion for error but isn't crushing either.
The real question is whether your child is committed to social work specifically. This estimated debt level is reasonable for someone entering a field they're certain about, but it's less forgiving for someone still exploring career options. With actual program data unavailable, prioritize understanding job placement support and internship networks—factors that matter more when the financial margin is this slim.
Where Siena Heights University Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in Michigan
Social Work bachelors's programs at peer institutions in Michigan (23 total in state)
Scroll to see more →
| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $29,778 | $37,858* | — | $27,000* | — | |
| $14,014 | $40,371* | $46,279 | $38,000* | 0.94 | |
| $14,297 | $39,774* | $41,817 | $28,012* | 0.70 | |
| $32,580 | $39,071* | $44,456 | $29,893* | 0.77 | |
| $13,630 | $38,870* | $43,864 | $27,500* | 0.71 | |
| $15,510 | $38,517* | $43,619 | $31,111* | 0.81 | |
| 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 Siena Heights University, approximately 31% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 14 similar programs in MI. Actual outcomes may vary.