Program Analysis
First-year earnings of $41,835 at Harding University come in 14% above the national median of $36,554 for Social Work programs.
The 4.5x return on tuition is positive but not overwhelming. Financial outcomes depend on keeping costs close to in-state rates.
AI risk is moderate — 24% task exposure — and the 3% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $29,000 debt-to-$41,835 income ratio translates to about 8 months of earnings. Standard loan terms should handle this comfortably.
At #184 out of 338 programs, Harding University's financial outcomes for Social Work trail the majority of peers. The value case depends on other factors.
Earnings growth is modest: $41,835 to $43,107 over five years (3% gain). This field may have a lower salary ceiling than high-growth professions.