Analysis
A debt-to-earnings ratio of 0.72 suggests manageable borrowing for this field, though social work salaries rarely surge dramatically in early career. Based on peer bachelor's programs in social work nationally, first-year earnings around $37,000 align closely with what similar programs produce across the country—this is simply what entry-level BSW positions pay, whether in South Dakota or elsewhere. The estimated $27,000 debt load tracks with the national median for these programs, meaning the financial picture here doesn't deviate wildly from what families should expect at comparable schools.
The challenge isn't unique to University of Sioux Falls; it's inherent to the profession. Social work rewards commitment over compensation, and BSW graduates typically need several years of experience (and often an MSW) before seeing meaningful salary growth. The 29% Pell population suggests this program serves students who may be particularly debt-sensitive, which makes the relatively moderate borrowing important. South Dakota has only two programs offering this degree, so alternatives for in-state students are limited.
For families weighing this investment: the estimated numbers suggest a workable debt burden for the first year's salary, but understand that social work careers build slowly. If your child is drawn to direct service and willing to live modestly early on, the financial picture is survivable. If they're uncertain about the field or expecting quicker returns, the constrained earning potential—even at comparable programs nationwide—deserves serious conversation before committing.
Where University of Sioux Falls Stands
Earnings vs. debt across all social work bachelors's programs nationally
Compare to Similar Programs Nationally
Social Work bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $20,740 | $37,297* | — | $27,000* | — | |
| $10,951 | $49,695* | $49,870 | $26,000* | 0.52 | |
| $7,424 | $48,750* | $56,474 | $17,259* | 0.35 | |
| $8,640 | $48,151* | $46,261 | $28,750* | 0.60 | |
| $51,370 | $47,734* | $48,702 | $25,721* | 0.54 | |
| $9,780 | $47,637* | $47,860 | $29,615* | 0.62 | |
| 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 Sioux Falls, approximately 29% 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.