Anyone who knows or has interacted with a social worker knows that this is incredibly vital work that pairs compassion with impact. According to the U.S. Bureau of Labor Statistics, social workers earned a median annual wage of $61,330.¹ Pursuing the most affordable online social work degree can enhance your return on investment without sacrificing program quality. With tuition costs rising substantially and student debt exceeding $1.6 trillion, cost-effective online programs carry even more weight in 2025.2
Can you earn a social work degree online?
Yes, you can absolutely earn a CSWE-accredited online Bachelor of Social Work (BSW) or Master of Social Work (MSW) in most U.S. states, which will fulfill degree requirements for licensure and professional practice. These programs offer flexible, self-paced learning and, when they are properly accredited, will prepare students for professional licensure.
As of 2025, many institutions offer CSWE-accredited online social work degrees (BSW or MSW), helping you balance career, life, and education without compromising on quality or accreditation.
Why should I get a social work degree online?
You should consider earning a social work degree online because the demand for social workers is projected to grow steadily over the next decade, at a pace that is faster than the national average. According to the U.S. Bureau of Labor Statistics, employment of social workers is expected to increase 7 percent from 2023 to 2033, which is faster than the average for all occupations.¹ This growth is driven by rising needs in healthcare, mental health services, and aging populations who often require in-home or community support.
Social workers play a critical role in helping individuals and families access important resources, improve on quality of life, and strengthen communities through advocacy and program development. An online social work degree can prepare you to contribute to these meaningful efforts while simultaneously offering you the flexibility to study around your family or competing job responsibilities.
For many students, affordability is another big factor when considering continuing education. The most affordable online social work degrees let you pursue your career goals at a lower cost than traditional on-campus programs, often with the same CSWE accreditation that is required for licensure.
What are the most affordable online social work degree programs in the US?
Affordability and accreditation are two of the main reasons that online social work programs are popular. Below are some of the most affordable CSWE-accredited online Bachelor of Social Work (BSW) programs in the United States, with up to date tuition rates as published by each institution.
- Wichita State University – Bachelor of General Studies with a concentration in Social Work. Tuition is about $236 per credit hour for undergraduates (in-state and online).
- University of Nebraska at Kearney – Bachelor of Social Work. Undergraduate tuition is $259 per credit (in state) and $396 per credit (out of state).
- Eastern New Mexico University – Online Bachelor of Social Work. Tuition is $325.75 per credit hour (in state) and $411.47 per credit hour (out of state).
- King University – Bachelor of Social Work. Tuition is $415 per credit hour for online undergraduates.
- Lewis-Clark State College – Bachelor of Social Work. Online undergraduate tuition is $367 per credit hour (in state) and $384 per credit hour (out of state).
These schools combine accreditation with relatively low per-credit tuition rates as compared to national averages, which makes all of these programs strong contenders for students that are seeking a mix of both affordability and quality.
How much does the cheapest online social work degree cost?
The cheapest online social work degrees typically cost between $7,000 and $16,000 per year in tuition as of 2025, depending on the school and whether you qualify for in-state rates. While these costs are typically lower than the national average for on-campus bachelor’s programs, students should also make sure that they are budgeting for additional expenses such as technology fees, online course materials, and textbooks.
Even with these added costs, online programs often remain more affordable than traditional on-campus degrees, especially for out-of-state students who benefit from flat online tuition rates.
Will getting a social work degree online save me money?
Yes, in many cases, earning a social work degree online can and will save you money. Online students avoid costs like relocation expenses, on-campus housing, and commuting, which can add thousands of dollars per year to the total price of attendance.
In addition, many schools charge the same tuition for online students regardless of residency status (i.e., if they are living out of state), which can make online programs especially cost-effective for out-of-state learners. While online students should still budget for additional costs like technology fees and course materials, the overall cost of attendance for online programs is generally lower than for traditional on-campus study.
Online social work programs vs in-person social work programs
The main difference between online and on-campus social work programs is how the classes are delivered. Online programs typically use digital platforms for lectures, discussions, and assignments, while on-campus programs rely on face-to-face classroom instruction and in-person activities to facilitate learning.
In both cases, students must complete field placements or practicums that are arranged through a CSWE-accredited program. These hands-on experiences, which are often based in local hospitals, schools, or social service agencies, are required for licensure and help bridge theory with practice to ensure students are prepared for their real-world work by the time they graduate.
Benefits of an online social work degree program
- Flexibility in scheduling. Online education allows students to balance their coursework with jobs, family responsibilities, or other commitments. Many of these programs also accept transfer credits, which shortens the time it will take you to graduate.
- Field placements in your area. Online programs also will arrange practicums near where you live, so you can gain direct experience with clients and families in your own community. If you want to stay where you are when you graduate, these connections will be of great help.
- Career change or advancement. A social work degree can support both career changers entering the field and professionals seeking to qualify for higher-level roles in healthcare, schools, or community agencies.
- Expanded networking opportunities. Online cohorts often draw students from across the country, allowing you to connect with peers and faculty who bring diverse perspectives and experiences to the virtual classroom.
- Access to comparable resources. Accredited online programs provide digital access to the same libraries, advising, and support services as you would get as a traditional on-campus student.
- Potential cost and time savings. Online students avoid commuting, relocation, and many associated campus fees. Some programs also offer accelerated formats that can reduce the total time it will take you to graduate from the program.
Benefits of an in-person social work degree program
- Scholarships and grants. Many on-campus programs have institutional aid, fellowships, and assistantships that can help offset tuition costs.
- Face-to-face instruction. Some students learn best in structured classroom settings with live interaction and immediate feedback. This is something that can’t really be forced in the online setting, so online students miss out on this aspect of schooling.
- On-site practicums and internships. In-person programs often coordinate fieldwork placements directly through local hospitals, shelters, and agencies that are connected to the university.
- Relationship building. Daily classroom and campus engagement can make it easier to develop communication skills and professional relationships with both your peers and your program instructors.
- Campus resources and study environment. On-campus students will also benefit from libraries, study centers, and fewer at-home distractions (I’m sure we’ve all been distracted by our laundry chair or piled up dishes in the sink), which can help maintain focus.
Online social work degree career options
One of the advantages of earning your social work degree online is flexibility in your future career paths. While social workers historically specialized in a single population, today’s professionals often work with a wide range of groups, from children and families to older adults, veterans, or individuals experiencing mental health and substance use challenges.
With additional training or certification, you can move between specialties such as child protection, geriatric care, or school-based support seamlessly. Social workers are employed in a variety of diverse settings, including hospitals, schools, government agencies, nonprofit organizations, and private practice, which makes the field both versatile and impactful.
Social Work Job Outlook
Social workers play a critical role in helping people overcome challenges such as poverty, family conflict, and barriers to healthcare. They provide counseling, connect individuals to community resources, and advocate for systemic change.
According to the U.S. Bureau of Labor Statistics, overall employment of social workers is projected to grow 7 percent from in the next decade, which is faster than the average for all occupations.¹ There are projected to be 67,300 job openings expected each year on average during this period, which is driven by workforce turnover and rising demand in healthcare and mental health services.¹
Social Work Degree Salary
Wages for social workers will vary by specialty, location, and level of experience. Social workers in healthcare settings tend to earn more, while those working in child, family, and school services earn slightly less.3
Can I Enroll in an Online Social Work Program for Free?
No, you cannot earn a fully accredited online social work degree for free. Accredited programs that meet licensure requirements always charge tuition. However, there are ways to significantly reduce costs:
- Scholarships and grants. Many universities and nonprofit organizations will offer need-based or merit-based aid that does not need to be repaid.
- Federal student aid. Accredited programs are eligible for federal support such as Pell Grants and Direct Subsidized Loans, which can help cover tuition and living expenses.
- Employer tuition assistance. Some employers in healthcare and social services provide tuition reimbursement or loan forgiveness for employees pursuing social work degrees.
- Free online courses. While not degree-granting, platforms such as edX, Coursera, and FutureLearn offer free or low-cost social work–related classes. These courses can help you build skills or explore the field before enrolling in a formal program.
Even if you pursue one of the most affordable online social work degrees, financial aid options can make the cost more manageable. The key is to choose a CSWE-accredited program, since only these qualify for most federal and state aid.
Cheapest Online Social Work Degree Programs
Here are some of the most affordable CSWE‑accredited online Bachelor of Social Work (BSW) programs as of 2025. We based the following information on published tuition and net cost data:
| School | Program | Estimated Cost |
| Eastern New Mexico University (ENMU) | Online BSW | Approx. $6,683 annual net price |
| University of South Florida (USF) | Online BSW | ~$6,410 per year in tuition ($105/credit) |
| Fort Hays State University (FHSU) | Online BSW | ~$17,860 total annual cost (approx. $257/credit) |
| Lewis-Clark State College | Online BSW | Approx. $12,508 net annual price |
Social work degrees ranking methodology: how we ranked the most affordable online social work programs
To identify the most affordable online social work degrees in 2025, we focused on programs that are accredited by the Council on Social Work Education (CSWE), since accreditation is required for most state licensures. We reviewed the latest tuition rates published by each institution, along with average annual net price data from the National Center for Education Statistics (NCES) College Navigator. Only schools that were offering fully online or primarily online Bachelor of Social Work (BSW) programs were considered in these categories. We also factored in value metrics such as flat-rate tuition models, acceptance of transfer credits, and institutional financial aid that can reduce real costs for students. This approach ensures our list highlights programs that balance affordability, accreditation, and accessibility, allowing students to pursue a social work career without taking on unmanageable debt.
The Cheapest Online Degree Programs: A Deep Dive
Below are profiles of some of the most affordable CSWE-accredited online Bachelor of Social Work (BSW) programs available in 2025. Each program listing below includes tuition details, program features, and accreditation status.
Eastern New Mexico University (ENMU) | Bachelor of Social Work
ENMU offers one of the lowest-cost online BSW programs in the country, with an average annual net price of about $6,683. The curriculum prepares students for entry-level social work practice and emphasizes service to rural and multicultural communities.
University of South Florida (USF) | Online Bachelor of Social Work
USF’s online BSW is structured for flexibility, combining asynchronous courses with required field placements in the student’s community. Tuition is approximately $6,410 per year (around $105 per credit hour).
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Fort Hays State University (FHSU) | Online Bachelor of Social Work
FHSU’s BSW program emphasizes generalist social work practice with opportunities for local practicums. Tuition averages $257 per credit hour, or about $17,860 annually for full-time enrollment.
Lewis-Clark State College | Online Bachelor of Social Work
Lewis-Clark provides an affordable pathway for students interested in generalist practice. Tuition is about $367 per credit (in state) and $384 (out of state), with an average net price of $12,508 per year.
Common Online Social Work Bachelor’s Degree Courses
Most online Bachelor of Social Work (BSW) programs share a set of core courses that will prepare students for generalist social work practice. Typical classes include:
- Introduction to Social Work. Provides an overview of the profession, including its history, values, ethics, and role in addressing contemporary social problems.
- Human Behavior in the Social Environment. Examines how biological, psychological, and social factors influence individual development across the lifespan, with special attention to family, community, and cultural contexts.
- Human Diversity. Explores cultural differences, systemic discrimination, and economic inequality, helping students to understand how diversity shapes client experiences.
- Ethics in Social Work Practice. Covers ethical principles, dilemmas, and professional standards that are based on the National Association of Social Workers (NASW) Code of Ethics.
- Social Work Practice with Individuals and Families. Teaches intervention models, problem-solving strategies, and counseling skills for working with people across diverse settings like schools, healthcare, and child welfare.
- Social Policy and Advocacy. Focuses on U.S. social welfare policies, how they affect vulnerable populations, and highlights the role of social workers in shaping policy change.
- Field Education/Practicum. Provides supervised, real-world experience in agencies or community organizations, which is a CSWE requirement for accreditation.
These courses equip students with the knowledge and hands-on skills to enter the workforce as entry-level social workers, or prepares to pursue advanced standing in a Master of Social Work (MSW) program.
Can I Apply for Federal Aid to Finance My Online Social Work Degree?
Yes, you can absolutely apply for federal aid to help finance your online social work degree, provided that the program is accredited by the Council on Social Work Education (CSWE) and that the institution participates in federal student aid programs.
Options to Help Pay for the Best Online Social Work Degree
Earning an online social work degree is more affordable than many on-campus alternatives, but it is still a significant financial commitment. Fortunately, there are several ways to reduce costs and make tuition more manageable:
- Federal and state grants. Grants are need-based and do not require repayment as long as you meet eligibility requirements, such as maintaining satisfactory academic progress. The Pell Grant is the most common federal option, and many states will offer their own grant programs for their residents.
- Federal and private loans. Federal Direct Loans offer fixed, lower interest rates and flexible repayment plans compared to private loans from banks or credit unions. Federal loan repayment typically begins after graduation, while private loan terms will vary.
- Scholarships. Scholarships are awarded based on academic performance, financial need, or other criteria such as commitment to public service. Many universities, nonprofit foundations, and professional associations (such as the National Association of Social Workers) offer targeted scholarships for social work students.
- Work-study programs. Work-study provides part-time employment through your school, often in roles connected to social services. This option helps cover educational expenses while also offering relevant experience.
- Employer tuition assistance. Some hospitals, clinics, and social service agencies offer tuition reimbursement or loan forgiveness programs for employees pursuing a BSW or MSW. This can significantly reduce out-of-pocket costs.
Exploring a mix of these options can make even the most affordable online social work degrees more accessible without relying too heavily on student loans.
Cheapest Social Work Degree Programs Online
Several universities offer some of the cheapest accredited online social work degree programs in 2025. Each program is fully accredited by the Council on Social Work Education (CSWE) and combines flexible online coursework with supervised field placements. Below is a list of the most affordable options that are available today.
Most affordable online social work associate degrees
Purdue University Global | Associate of Applied Science in Human Services Online
This 90-credit online program takes about two years of full-time study to complete. Coursework includes human behavior, sociology, intervention methods, and communication skills. The degree prepares students for entry-level roles in social services or to transfer into a bachelor’s program.
Thomas Edison State University | Associate in Arts in Human Services
This 60-credit degree program offers broad training in human services with a focus on professional practice. Students take courses in ethics, American government, psychology, and electives that can be applied toward a future bachelor’s degree.
Penn State World Campus | Associate in Science in Human Development and Family Studies
Requiring 60 credit hours, this program allows students to specialize in one of two areas: adult development and aging services or children, youth, and family services. The curriculum emphasizes lifespan development and social support systems.
Piedmont Community College | Associate in Applied Science in Human Services Technology
This 68-credit program can be completed in about two years of full-time study. Applicants must submit official transcripts and complete placement testing. Coursework covers case management, intervention, and community engagement.
Columbia College | Associate in Health Services
This 60- to 62-credit program explores addiction theories, medical technology, human behavior, and social psychology. The curriculum is designed to give students foundational skills in health and social service support.
Most affordable online social work bachelor’s degrees
Eastern New Mexico University (ENMU) | Bachelor of Social Work
ENMU offers one of the lowest-cost accredited online BSW programs in the country, with an average annual net price of about $6,683. The curriculum prepares students for generalist practice, emphasizing service in rural and multicultural communities. Small class sizes provide students with personalized support.
University of South Florida (USF) | Online Bachelor of Social Work
USF delivers a fully online BSW program with tuition averaging $6,410 per year (~$105 per credit). Coursework is flexible and paired with required field placements arranged near the student’s community, making it a strong option for affordability and accessibility.
Lewis-Clark State College | Online Bachelor of Social Work
Lewis-Clark’s program trains entry-level generalist social workers with a strong foundation in ethics, values, and practice skills. Tuition is about $367 per credit (in state) and $384 per credit (out of state), with a net average price of $12,508 annually.
Fort Hays State University (FHSU) | Bachelor of Social Work
FHSU’s online BSW emphasizes applied skills and generalist practice. Tuition averages $257 per credit hour, or roughly $17,860 annually for a full-time student. Field placements can be completed locally, and the program is fully CSWE-accredited.
Most affordable online social work master’s degrees
Louisiana State University (LSU) | Master of Social Work
LSU’s online MSW follows a flexible, module-based schedule instead of a traditional semester format. Students take seven-week courses and can complete the program in about two years. Tuition is approximately $523 per credit hour, and admission generally requires a 3.0 GPA.
Florida State University (FSU) | Master of Social Work
FSU’s part-time online MSW takes about three years to complete and is open to students nationwide. The 61-credit curriculum includes two supervised field placements (16 weeks each). Tuition is around $444 per credit hour (in state) and $1,075 per credit hour (out of state).
Concord University | Master of Social Work
Concord offers an affordable, fully online MSW program emphasizing advanced generalist practice. Applicants must hold a CSWE-accredited BSW for admission. Tuition is approximately $379 per credit hour (in state) and $500 per credit hour (out of state).
University of South Florida (USF) | Online Master of Social Work
USF’s 60-credit online MSW requires 900 hours of supervised fieldwork, typically completed over two years. Coursework covers social welfare policy, practice, and social justice. Tuition averages $431 per credit hour (in state) and $877 per credit hour (out of state).
University of Texas Rio Grande Valley (UTRGV) | Master of Science in Social Work
UTRGV offers a 63-credit MSW with concentrations in direct practice and administration/community practice. Tuition is approximately $444 per credit hour (in state) and $861 per credit hour (out of state), making it one of the more affordable MSW options in Texas.
Most In-Demand Social Worker Jobs With an Online Social Work Degree
Social work offers diverse career paths for graduates, many of which are experiencing faster-than-average growth. Below are some of the most in-demand jobs for graduates of online Bachelor’s or Master’s in Social Work programs:
| Social work job | Required education | Job outlook | Median annual salary |
| School and Career Counselor or Advisor | Master’s degree | 4% growth (faster than average)¹ | $65,1404 |
| Social Worker (generalist roles) | Bachelor’s degree (BSW) | 7% growth (faster than average)¹ | $61,3301 |
| Marriage and Family Therapist | Master’s degree | 16% growth (much faster than average)¹ | $63,7805 |
| Health Education Specialist | Bachelor’s degree | 7% growth (faster than average)¹ | $63,0006 |
| Social and Human Service Assistant | High school diploma or associate degree | 8% growth (faster than average)¹ | $45,1207 |
Best Jobs With an Online Social Work Degree Explained
The best jobs you can pursue with an online social work degree will vary by education level. Entry-level roles typically require a Bachelor of Social Work (BSW) degree, while clinical positions will often require a Master of Social Work (MSW) and state licensure. Below are some of the strongest career options in 2025:
School and Career Counselor or Advisor
These professionals support students with academic, social, and career planning. Most positions require a master’s degree in counseling or a closely related field. Employment is projected to grow 4 percent in the next decade, with a median annual wage of $65,140.4
Social Worker
Generalist social workers with a BSW can work in child welfare, case management, or community organizations, while clinical social workers (MSW) provide therapy and direct mental health services. The field overall is expected to grow 7 percent through 2033, with a median annual wage of $61,330.1
Marriage and Family Therapist
Marriage and family therapists will provide counseling to couples, families, and individuals, often addressing mental health, substance use, and relationship issues. This occupation is projected to grow by 16 percent in the next decade, with a median wage of $63,780.5
Health Education Specialist
Health education specialists design and implement programs to improve wellness and public health. Many positions are available to graduates with just a bachelor’s degree. Employment in this field is projected to grow by 7 percent from 2023 to 2033, with a median annual wage of $63,000.6
Social and Human Service Assistant
These professionals support social workers and counselors by helping clients access services, track progress, and manage paperwork. A high school diploma or associate degree is typically required for this type of role. Employment is expected to grow 8 percent through 2033, with a median wage of $45,120.7
Is an Online Social Work Degree Worth It?
Yes, an online social work degree is worth it for many students, especially when you are seeking a flexible and affordable path to a career in human services. Accredited online programs provide the same coursework and field placement requirements as on-campus degrees, meaning graduates are equally prepared for licensure and professional practice.
In 2025, the median annual wage for social workers is $61,330, and demand for social workers is projected to grow 7 percent from 2022 to 2032, which is faster than the average for all occupations.1 This combination of stable demand and competitive wages makes social work a strong long-term career choice.
Ultimately, the value of an online program depends on choosing a CSWE-accredited degree that aligns with your goals, whether that means entering the workforce after a BSW or pursuing advanced licensure through an MSW. For students that are balancing jobs, families, or other commitments, online learning offers the flexibility to move forward without pausing your other responsibilities.
Cheapest Online Social Work Degree FAQ
Most online bachelor’s degrees in social work (BSW) will take about four years of full-time study. Associate degrees generally take two years, and master’s programs (MSW) can take two to three years, depending on if you are enrolled full-time or part-time.
It depends on the program. Many courses are asynchronous, which allows you to complete your work on your own schedule. However, some classes and discussions may be synchronous, which would require you to log in at scheduled times. Field placements are always in-person, and they are arranged at agencies in your local area.
Yes, if you choose a program accredited by the Council on Social Work Education (CSWE). Accreditation is essential, as it ensures your degree meets the standards required for state licensure and professional practice.
According to the U.S. Bureau of Labor Statistics, the highest-paid social workers are those with the Licensed Clinical Social Worker credential (LCSW, or clinical social workers), with a median annual wage of about $93,000.8 Clinical social workers with a master’s degree and licensure will also earn more than entry-level generalist social workers.
Sources
- https://www.bls.gov/ooh/community-and-social-service/social-workers.htm
- https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment
- https://www.bls.gov/ooh/community-and-social-service/social-workers.htm#tab-5
- https://www.bls.gov/ooh/community-and-social-service/school-and-career-counselors.htm
- https://www.bls.gov/ooh/community-and-social-service/marriage-and-family-therapists.htm
- https://www.bls.gov/ooh/community-and-social-service/health-educators.htm
- https://www.bls.gov/ooh/community-and-social-service/social-and-human-service-assistants.htm
- https://www.glassdoor.com/Salaries/us-licensed-clinical-social-worker-salary-SRCH_IL.0,2_IN1_KO3,34.htm
About us: Career Karma is a platform designed to help job seekers find, research, and connect with job training programs to advance their careers. Learn about the CK publication.
