Median Earnings (1yr)
$45,227
95th percentile (60th in MA)
Median Debt
$27,947
6% above national median
Debt-to-Earnings
0.62
Manageable
Sample Size
36
Adequate data

Analysis

UMass Boston stands out nationally for social work earnings—95th percentile among all programs—but that distinction matters less than you might think in Massachusetts. At $45,227 first-year earnings, graduates here earn slightly more than Salem State's $45,450 and well above the state median of $40,161, placing them in the 60th percentile among Bay State programs. The real win is the debt picture: at $27,947, it's essentially at the state median and creates a manageable 0.62 debt-to-earnings ratio that graduates can realistically handle on social work salaries.

The earnings trajectory—growing modestly from $45,227 to $47,217 over four years—reflects the reality of social work compensation rather than any program weakness. What matters more is that UMass Boston combines this with an accessible admission profile (83% acceptance rate, serving 43% Pell recipients) while still delivering earnings that exceed most alternatives. For families considering state schools for social work, this program offers top-tier Massachusetts outcomes without the private school debt burden you'd see at places like Simmons, which ironically produces lower earnings despite likely higher costs. The practical verdict: if your child is committed to social work, this is one of the better financial pathways in the state.

Where University of Massachusetts-Boston Stands

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

University of Massachusetts-BostonOther 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 University of Massachusetts-Boston graduates compare to all programs nationally

University of Massachusetts-Boston 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
University of Massachusetts-Boston$45,227$47,217$27,9470.62
Salem State University$45,450$41,045$27,0000.59
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
Salem State University
Salem
$11,978$45,450$27,000
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 University of Massachusetts-Boston, approximately 43% 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 36 graduates with reported earnings and 48 graduates with debt data. Small samples may not be representative.