The complete guide to degrees and careers in social work
Olga is an in-house editor and writer at Degreechoices.com. She has previous experience as a higher education instructional designer and a university librarian. Olga is passionate about well-crafted sentences, Wikipedia rabbit holes, and the Oxford comma.
She has served as a tenured professor at Northeastern State University and California Baptist University. For the last fifteen years, she has developed and implemented innovative social work curriculum at both the master’s and bachelor’s levels.
Key information
- Salary with bachelor’s degree: $43,498
- Best state for social work: Nevada
- Salary with master’s degree: $57,413
- Loan forgiveness eligibility: Yes
Social workers assist clients with meeting both basic and complex needs – from housing and employment to emotional wellbeing and social integration. With professional roots in historical poverty relief initiatives, social work continues to focus on serving vulnerable populations such as children, the elderly, racial and ethnic minorities, and people living with addictions, mental health challenges, or chronic health conditions.
The typical education required for social work positions as defined by the Bureau of Labor Statistics (BLS) shows a split between bachelor’s and master’s degrees. For example, 38.3% of child, family, and school social workers have a bachelor’s degree and 36.6% have a master’s degree. BSWs and MSWs have different levels of practice. All U.S. states and jurisdictions require a master’s degree and social work license for clinical social work, but there is considerable variation in the categories of practice they license.
In most states, becoming a social worker will require at least a bachelor’s in social work (BSW) from a CSWE-accredited school.
The Council on Social Work Education (CSWE) accredits social work degree programs in the U.S. When choosing social work schools, look for CSWE-accredited programs.
What you study
Social workers study human behavior, interdisciplinary theories, and policy analysis and learn how to work with the most vulnerable members of society. To understand the broader practice context, you will study topics like social service delivery systems, economic and social policy analysis, as well as cultural and human behavior theory. More practical classes cover topics like therapeutic and assessment skills, advocacy planning, and cultural competency.
Social work degrees also provide training in counseling and psychotherapy but with a focus on connecting individuals with practical resources and support services. Social work is unique among helping and mental health professions in this balanced emphasis on both the individual and their environment, an approach known as “person-in-environment”. Social work also stands out from other helping professions in its emphasis on social justice.
What you can do with it
The majority (65.4%) of social workers in 2018 and 2019 were employed by NGOs and charities, outpatient healthcare services, and government agencies. About 17% were employed in positions not defined as social work roles but nevertheless using their social work skills according to self-reports. Social workers are the largest providers of mental health services in the country and the largest single employer of social workers in the nation is the Department of Veteran Affairs.
Associate degree in social work (ASW)
ASW degrees are typically offered at community colleges and can be completed within 60 credit hours. Upon graduation, students can begin working in entry-level direct services jobs like case management assistant, community outreach worker, or gerontology aide, or transfer to a 4-year college and earn a bachelor’s degree in social work.
Although the qualifications to become a social work assistant are a high school diploma and on-the-job training, organizations like Child Protective Services (CPS) prefer candidates with experience in the field. An associate degree can substitute for professional experience, as students learn the basics of the field and how to conduct themselves professionally.
What can you do with an ASW?
Those with an associate degree in social work can find their way in the field without licenses or certificates. Though positions are limited, they remain vital to the community, often acting as an intermediary between a licensed social worker or healthcare worker and the clientele.
Depending on the organization, associate degree holders can work with various age groups in many ways, like outreach, program education, aid, and research. A bachelor’s degree will often be prioritized over an associate degree, but hard workers can still find a job in some of the popular fields below.
Social and human service assistant
Social work assistants, also known as case work aides or human service workers, offer a helping hand to individuals in various vulnerable groups, including the elderly, people with disabilities, children, former prison inmates, and homeless people. They help their clients access benefits and services, working under the supervision of social workers, psychologists, and other social and human service professionals.
Community health worker
Community health workers liaise between their clients and healthcare and social services providers. This can include collecting data, helping clients enroll in programs such as Medicaid, and addressing various barriers to care.
Bachelor’s degree in social work (BSW)
The entry-level social work degree in many states is the bachelor’s in social work. A BSW also affords students advanced standing eligibility towards an MSW program, allowing students who meet certain criteria to earn an MSW in 1 year instead of 2. With a BSW, you can also pursue credentials such as the licensed baccalaureate social worker (LBSW) designation, currently available in 16 states.
» Read: The best BSW programs according to economic performance
All CSWE-accredited BSW programs include a minimum of 400 hours supervised field experience, usually in junior and senior year. Your college will likely match you with a practicum or internship in a setting that aligns with your career goals – for example, a hospital, school, correctional facility, or commuity service agency.
Is a bachelor’s degree in social work worth it?
The median net cost of students who receive federal financial aid. This is lower than the price advertised by the school.
Median earnings 3 years after graduating.
Payback measures how long it takes the average student to pay back the total cost of attending college with marginal earnings. Marginal earnings are the difference between what the average student would have earned before attending college and what they earn afterwards.
Compares earnings from this specific program against the national average for all graduates at this degree level.
The Economic Score is the combination of payback and earningsplus, and is how we determine a school’s rank. The lower the economic score the better. For an analysis of how we arrive at the economic score, and a description of our data sources, please visit our methodology page.
Early-career bachelor’s in social work earnings, 3 years after attending school, are $36,822. This is $14,196 less than the national average, placing social work bachelor earnings in the bottom 25% out of a total 289 programs measured. Note that this data includes all BSW graduates regardless of their field of employment after graduation.
Years to earn back educational investment in BSW degree
It takes the average bachelor’s in social work student 7 years to earn back the money they invested in their degree, compared to 3.8 years for all bachelor’s students. Payback is calculated by dividing the costs of attending a school by the average earnings compared to peers in the state without a college education.
Payback amount
Payback measures how long it takes the average student to pay back the total cost of attending college with marginal earnings. Marginal earnings are the difference between what the average student would have earned before attending college and what they earn afterwards.
Social Work
14.7
National average
8.5
Economic score
Our economic score ranks programs based on a combination of payback and EarningsPlus. Lower scores are better. Check our methodology page for details and data sources.
Social Work
19.3
National average
8.2
The above illustrates the performance of this degree against national average. The lower score the score, the better.
Our economic score also takes into account EarningsPlus – how much more or less BSW students earn when compared to the weighted average nationally for all majors. The economic score of 7.0 places the bachelor’s in social work in the bottom 30% of all bachelor’s degrees.
As a social worker, you may be eligible for public service loan forgiveness, a government debt relief initiative aimed at high-need professions.
Find the best bachelor’s social work programs
Find the best social work degree by state
Top 3 BSW programs
Based on economic performance CUNY Lehman College, California State University, Los Angeles, and California State University, Long Beach are the top 3 schools for social work nationally.
Payback measures how long it takes the average student to pay back the total cost of attending college with marginal earnings. Marginal earnings are the difference between what the average student would have earned before attending college and what they earn afterwards.
EarningsPlus compares student earnings after college against a benchmark that Degreechoices adjusts based on each school’s unique mix of academic programs and the in-state/out-of-state composition of the student body.
Our economic score ranks programs based on a combination of payback and EarningsPlus. Lower scores are better.
Payback measures how long it takes the average student to pay back the total cost of attending college with marginal earnings. Marginal earnings are the difference between what the average student would have earned before attending college and what they earn afterwards.
EarningsPlus compares student earnings after college against a benchmark that Degreechoices adjusts based on each school’s unique mix of academic programs and the in-state/out-of-state composition of the student body.
Our economic score ranks programs based on a combination of payback and EarningsPlus. Lower scores are better.
Payback measures how long it takes the average student to pay back the total cost of attending college with marginal earnings. Marginal earnings are the difference between what the average student would have earned before attending college and what they earn afterwards.
EarningsPlus compares student earnings after college against a benchmark that Degreechoices adjusts based on each school’s unique mix of academic programs and the in-state/out-of-state composition of the student body.
Our economic score ranks programs based on a combination of payback and EarningsPlus. Lower scores are better.
Careers with a bachelor’s in social work
National wage average
$46,310
National demand increase (2021-31)
7.7%
Despite a discouraging short-term economic analysis, bachelor’s-level social work earnings in the long term meet or exceed the national wage average. Several occupations at this level also exceed the average for all bachelor’s-level occupations as classified by the BLS and Census Bureau data ($59,600, ages 25-34).
The BLS classifies the following as social work occupations requiring a bachelor’s degree for entry:
Social and Community Service Managers
The most lucrative career path at this level of education is becoming a social and community service manager, and demand for this role is also growing at about twice the national average. The job involves overseeing governmental and NGO initiatives aimed at public well-being and supervising the individuals – including social workers – who provide direct services to clients.
Probation Officers and Correctional Treatment Specialists
Probation officers and correctional treatment specialists work with law offenders who have been released from prison or are on probation, assisting them with social reintegration as well as helping prevent recidivism and ensuring community safety. They earn about $10,000 above the national average but are in relatively low demand nationally.
Child, Family, and School Social Workers
Child, family, and school social workers are employed by schools or social service agencies, identifying and assisting at-risk children and their biological, foster, or adoptive families. They earn slightly above the average wage for all occupations, but demand is very high. Other types of social workers may earn more but are significantly lower in demand.
Substance Abuse, Behavioral Disorder, and Mental Health Counselors
Substance abuse and behavioral disorder counselors work with individuals and groups in addressing addictions and associated behaviors and challenges. Despite earning well below the national wage average, they are the most likely of all the occupations listed above to earn a master’s degree (51.8%) and are in exceptionally high demand.
If you are interested in helping individuals who struggle with addiction and are considering earning an MSW, pursuing work as a substance abuse social worker rather than counselor may be a wise choice. Demand for this role is also high (14.9%) and annual earnings are about $10,000 higher.
Social work licensing with a BSW
Earning a BSW makes you eligible to take the bachelor-level ASWB licensing examination. Social work practice at this level of licensure is referred to as “generalist”. The focus is on prevention and intervention methods for addressing social problems at the micro (individual), mezzo (community), and macro (whole system) levels.
The Association of Social Work Boards (ASWB) administers social work licensing exams in the United States.
BSW-level social workers are not licensed to provide psychotherapy, a key reason why a social worker may choose to pursue a master’s degree.
Master’s degree in social work (MSW)
An MSW opens doors to most professional opportunities in social work, including clinical, staff training, supervisory, and administrative positions. Earning an MSW is also the key prerequisite for taking master’s-level ASWB licensing exams and earning LCSW (Licensed Clinical Social Worker), LMSW (Licensed Master Social Worker), or CSW (Certified Social Worker) qualifications.
An MSW program will take about 2 years to complete unless you qualify for advanced standing, which allows you to transfer credits from your BSW and waive all or most of the first year of grad school. All CSWE-accredited MSW programs include at least 900 hours of supervised field experience.
» Read: The best MSW programs according to economic performance
The main distinction between bachelor’s and master’s-level social work is a broader scope and a movement towards specialist or clinical practice. In the context of social work, “clinical” means providing psychotherapy, including assessment, diagnosis, and (non-medical) treatment.
In 2018-2019 survey, 79.8% of social workers reported that their MSW education had focused on direct or clinical work with individuals, families, or groups, covering case management, child welfare, therapy and counseling, healthcare support, and school social work. Programs that concentrate on community or indirect (macro) social work appear to be far less common (9.2% and 7.7%, respectively).
Is an MSW worth it?
The total debt accrued by the median student at the time of graduation.
Median earnings 3 years after graduating.
The debt-to-earnings ratio is calculated by dividing debt by the annual salary. A debt to earnings ratio of 1 means that annual debt is the same as annual earnings.
Compares earnings from this specific program against the national average for all graduates at this degree level.
The Economic Score is the combination of payback and earningsplus, and is how we determine a school’s rank. The lower the economic score the better. For an analysis of how we arrive at the economic score, and a description of our data sources, please visit our methodology page.
MSW median earnings 3 years after attending school are $51,335. This is $12,852 less than the national average, placing MSW earnings in the bottom 35% out of a total 228 programs measured. Master’s in social work students see a $14,513 increase in earnings over the bachelor’s degree, which is slightly above the average of $13,099 for all master’s degrees.
Debt-to-earnings
The debt-to-earnings ratio is calculated by dividing student debt upon graduation by the annual salary. A debt to earnings ratio of 1 means that annual educational debt is the same as annual earnings.
Social Work
0.8
National average
0.7
Economic score
The Economic Score is the combination of debt-to-earnings ratio and earningsplus. We use the economic score to determine a graduate program’s rank. The lower the economic score the better. For an analysis of how we arrive at the economic score, and a description of our data sources, please visit our methodology page.
Social Work
1.0
National average
0.7
The above illustrates the performance of this degree against national average. The lower the score, the better.
Deciding if a master’s in social work makes sense for you will depend largely on your career goals. If you want to become a therapist or work in healthcare, administration, or clinical social work, you will need an MSW. When not strictly required, social workers may nevertheless pursue an MSW for the added skills and training or the earnings boost that comes with most graduate degrees.
Find the best master’s social work programs
Find the best social work degree by state
Top 3 MSW programs
According to our economic score, Brigham Young University, California State University, Fresno, and the University of Texas, Rio Grande Valley are the top 3 schools for graduate education in social work nationally.
The debt-to-earnings ratio is calculated by dividing debt by the annual salary. A debt to earnings ratio of 1 means that annual debt is the same as annual earnings.
EarningsPlus compares student earnings after college against a benchmark of all students with the same graduate degree, adjusting for the in-state / out-of-state composition of the student body.
The Economic Score is the combination of debt-to-earnings ratio and earningsplus. We use the economic score to determine a graduate program’s rank. The lower the economic score the better.
The debt-to-earnings ratio is calculated by dividing debt by the annual salary. A debt to earnings ratio of 1 means that annual debt is the same as annual earnings.
EarningsPlus compares student earnings after college against a benchmark of all students with the same graduate degree, adjusting for the in-state / out-of-state composition of the student body.
The Economic Score is the combination of debt-to-earnings ratio and earningsplus. We use the economic score to determine a graduate program’s rank. The lower the economic score the better.
The debt-to-earnings ratio is calculated by dividing debt by the annual salary. A debt to earnings ratio of 1 means that annual debt is the same as annual earnings.
EarningsPlus compares student earnings after college against a benchmark of all students with the same graduate degree, adjusting for the in-state / out-of-state composition of the student body.
The Economic Score is the combination of debt-to-earnings ratio and earningsplus. We use the economic score to determine a graduate program’s rank. The lower the economic score the better.
Careers with a master’s in social work
National wage average
$46,310
National demand increase (2021-31)
7.7%
The BLS classifies the following occupations as social work careers requiring a master’s degree for entry:
Social Work Teachers, Postsecondary
The most lucrative career at this level of education is teaching social work at a postsecondary institution. Here, you work at the macro level, analyzing and contributing to social work theory and policy and training the next generation of social workers. While you may be able to enter the field with an MSW, career advancement will likely require further education – 47.4% of social work postsecondary teachers have a PhD.
Educational, Guidance, and Career Counselors and Advisors
Educational, guidance, and career counselors and advisors help students at elementary, middle, and high schools with behavioral and academic difficulties. They also help the general student population with college and career planning. The field offers a good balance of earnings and demand.
Healthcare Social Workers
Healthcare social workers assist individuals dealing with major medical challenges by providing psychosocial support and acting as intermediaries between patients, healthcare providers, and insurance companies. Salary and demand figures are promising and similar to those of guidance counselors.
Mental Health and Substance Abuse Social Workers
Mental health and substance abuse social workers help clients and their families address challenges associated with addiction and mental illness. They may be employed at outpatient care centers, residential facilities, psychiatric hospitals, schools, and family service agencies. This field may be a good option for those interested in addictions counseling but discouraged by the low wages.
Marriage and Family Therapists
Marriage and family therapists work with couples or families to improve communication, process stressors, or navigate the impact of relationships on mental health. They earn about $10,000 more annually than other types of master’s-level counselors and are in exceptionally high demand. You may need a specialized license to call yourself a marriage and family therapist check with your state licensing board.
Rehabilitation Counselors
Rehabilitation counselors help people with disabilities live independently. This includes providing psychosocial support, liaising with employers, advocacy, and helping their clients access healthcare and other resources. Despite the high demand, wages are shockingly low – $31,140 less than the Census Bureau reports for master’s-level occupations (workers aged 25-34).
Final thoughts
Social workers are the cornerstone of social welfare systems, bridging the service gaps left by other helping professions and assisting those who fall through society’s cracks.
Choosing a social work career will entail weighing earnings and demand data against personal factors like values and interests. Substance abuse counselors, for instance, are likely motivated by how meaningful their work is – the demand data alone shows how needed they are and will continue to be. Unfortunately, wages often don’t match demand. The National Association of Social Workers continues to advocate for student loan debt relief and cancellation to improve the economic conditions of social workers across the nation.
Considering the economic outcomes of social work degrees and choosing specific programs based on this metric can help ensure you make a living while making a difference.