Program Analysis
Frostburg State University's Social Work program produces graduates earning $37,836/yr — within striking distance of the $36,554 national average for this field.
The 11.3x earnings multiple means ten-year projected earnings exceed tuition cost by an order of magnitude. By pure financial math, this is a standout.
AI risk is moderate — 24% task exposure — and the 3% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $19,750 debt-to-$37,836 income ratio translates to about 6 months of earnings. Standard loan terms should handle this comfortably.
Ranked #158 out of 338 programs, Frostburg State University's Social Work offering sits in the upper half but doesn't break into the top tier.