Analysis
Borrowing $27,000 to earn $37,300 in your first year produces a manageable debt-to-earnings ratio of 0.72, though these figures come from comparable bachelor's programs nationally rather than University of Portland's specific outcomes. What's less manageable is the Oregon context: Portland State's social work graduates report earning $41,600—nearly $4,300 more annually—while typical Oregon programs see median debt around $23,500. Even accounting for the estimation uncertainty, this suggests University of Portland's private school premium may not translate to better career positioning in the local market.
The broader concern is that social work remains a field where earnings plateau early, and first-year numbers near $37,000 represent much of your ceiling unless you pursue graduate education. With an admission rate of 95% and strong test scores suggesting this isn't an access institution, families should question whether the higher borrowing makes sense when Portland State—with actual reported outcomes showing superior earnings—offers a public alternative. The $3,500 debt difference compounds over ten years of repayment.
If your child is committed to social work specifically and University of Portland for fit reasons, this program won't bury them in debt. But the estimated numbers suggest you're likely paying more for similar or potentially worse outcomes than Oregon's public option delivers with certainty.
Where University of Portland Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs in Oregon
Social Work bachelors's programs at peer institutions in Oregon (5 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $54,900 | $37,297* | — | $27,000* | — | |
| $11,238 | $41,594* | $47,055 | $25,624* | 0.62 | |
| $40,940 | $27,755* | $43,147 | $21,500* | 0.77 | |
| 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 Portland, approximately 19% 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.