Analysis
When peer programs nationally suggest first-year earnings around $37,300 against an estimated $27,000 in debt, this translates to a manageable 0.72 debt-to-earnings ratio—below the concerning 1.0 threshold that signals repayment challenges. However, Maine's social work landscape tells a more nuanced story. The University of Southern Maine and University of Maine report actual earnings of roughly $40,700 and $38,800 respectively for their social work graduates, suggesting University of New England students might enter a similar job market but start below their in-state peers.
Social work positions in Maine appear relatively consistent in pay across institutions, which makes sense given standardized licensing requirements and public-sector employment. The estimated debt figure sits slightly above Maine's typical $24,400 for this degree, though the difference isn't dramatic. What matters more is whether the degree opens doors to careers your child finds meaningful—social work notoriously underpays relative to educational requirements and emotional demands.
For families weighing this investment, the financial picture looks workable rather than worrisome, assuming the estimates hold. Monthly loan payments would consume a noticeable but not crushing portion of that first-year salary. The real question is whether your child is committed to this profession despite its modest compensation, and whether UNE's specific program—beyond just the degree itself—offers fieldwork connections or specializations that justify choosing it over Maine's public universities with their slightly lower debt loads.
Where University of New England Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in Maine
Social Work bachelors's programs at peer institutions in Maine (5 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $42,550 | $37,297* | — | $27,000* | — | |
| $10,920 | $40,692* | $43,568 | $22,610* | 0.56 | |
| $12,606 | $38,824* | $40,842 | $26,154* | 0.67 | |
| 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 University of New England, approximately 12% 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 national median of 338 similar programs. Actual outcomes may vary.