Median Earnings (1yr)
$36,727
46th percentile (60th in NC)
Median Debt
$25,857
2% below national median
Debt-to-Earnings
0.70
Manageable
Sample Size
59
Adequate data

Analysis

Western Carolina graduates enter a field where modest salaries are part of the mission, but what's striking here is how this program compares within North Carolina. While the $36,727 starting salary sits slightly below the national median for social work programs, it ranks in the 60th percentile among NC schools—meaning graduates earn more than most of their in-state peers. The state median is just $31,695, so Western Carolina provides a meaningful $5,000 premium over the typical North Carolina social work degree.

The debt picture looks reasonable at $25,857, creating a 0.70 debt-to-earnings ratio that social work graduates can realistically manage. Earnings grow to nearly $40,000 by year four, a modest but steady 9% increase. This isn't a path to financial abundance—social work rarely is—but the numbers work better than at most NC programs. Students committed to this career field will find Western Carolina delivers competitive preparation without excessive debt burden.

For families concerned about return on investment in a helping profession, this program threads the needle: it costs less than many competitors while producing stronger employment outcomes than the state norm. If your child is called to social work, Western Carolina represents a practical choice that won't create unmanageable financial strain.

Where Western Carolina University Stands

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

Western Carolina UniversityOther 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 Western Carolina University graduates compare to all programs nationally

Western Carolina University graduates earn $37k, placing them in the 46th 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 North Carolina

Social Work bachelors's programs at peer institutions in North Carolina (23 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Western Carolina University$36,727$39,978$25,8570.70
Mars Hill University$41,643$39,344$29,1330.70
University of North Carolina Wilmington$38,380$42,444$22,3610.58
Barton College$38,312$38,430$27,0000.70
East Carolina University$35,745$44,272$26,0000.73
North Carolina State University at Raleigh$35,485$42,436$20,7910.59
National Median$37,296—$26,3620.71

Other Social Work Programs in North Carolina

Compare tuition, earnings, and debt across North Carolina schools

SchoolIn-State TuitionEarnings (1yr)Debt
Mars Hill University
Mars Hill
$37,270$41,643$29,133
University of North Carolina Wilmington
Wilmington
$7,317$38,380$22,361
Barton College
Wilson
$35,600$38,312$27,000
East Carolina University
Greenville
$7,361$35,745$26,000
North Carolina State University at Raleigh
Raleigh
$8,895$35,485$20,791

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 Western Carolina University, approximately 33% 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 59 graduates with reported earnings and 100 graduates with debt data. Small samples may not be representative.