One of the primary draws of becoming a social worker is the opportunity to help people and communities in need. It can be a highly rewarding field for those who are driven to create positive change and support others.
Yet, the cost of a bachelor's in social work (BSW) can sometimes stand in the way. Fortunately, many affordable online BSW programs make it possible to pursue your goal without taking on unnecessary debt.
This guide explores the most affordable online social work degrees, financial aid options, and the benefits of earning your degree online.
5 Cheapest Online Social Work (BSW) Degree Programs
How Much Does an Online Bachelor's in Social Work Cost?
The type of online college you choose can greatly affect your total costs. The National Center for Education Statistics (NCES) reports that average tuition for the 2023-2024 academic year for undergraduate students ranged from $6,944 for in-state students at public institutions to $27,978 for students attending private colleges.For a better picture, we can also examine social services degrees specifically. According to the most recent data (2020) from NCES, the average annual tuition for an online bachelor's degree in social services was $9,992. For on-campus social science degree programs, the average was $19,427, nearly $10,000 more.
While tuition has steadily increased since then, we can use the Consumer Price Index Inflation Calculator to adjust these figures to 2025 dollars for a closer estimate of the price tag today:
How to Find the Most Affordable Online Social Work Program
Before applying to an online social work program, you should consider which program best serves your career goals and interests, as well as program length and total costs.
If you have a specific social work career goal, such as school social work or clinical social work, be sure to look for colleges with the concentration you need for certification or licensure. Below are the additional factors to consider when choosing an affordable online social work degree.
Program Cost
The total cost of an online social work degree can vary widely. In general, in-state public schools charge the lowest tuition rates. However, many out-of-state public institutions charge online students a flat rate. Consider the total cost of the degree, including technology fees, online learning fees, and books.
Transfer Policies
A generous transfer policy can help you save time and money to graduate sooner. For example, a program that accepts max transfer credits (up to 90) means you could transfer credits from a community college or previously attended university to earn your bachelor's in social work in as few as 1-2 years.
On-Campus Requirements
You'll want to investigate whether the degree program is offered 100% online or in a hybrid format. Some online social work programs have on-campus residency requirements for clinical components, which can add transportation and lodging costs. Other online BSW programs may allow you to complete fieldwork requirements at a nearby facility. If your college offers a hybrid program, choosing a nearby school can help you fulfill these requirements more easily.
Accreditation for Online Social Work Degrees
Attending an accredited institution is essential for earning social work licensure and accessing federal financial aid, including grants and scholarships. You'll want to look for both institutional and programmatic accreditation.
Programmatic Accreditation: For social work degrees, look for programs accredited by the Council on Social Work Education (CSWE).
Reality Check: Will an online social work degree actually save me money?
Depending on the program you choose, an online bachelor's in social work could be less expensive than an on-campus social work degree. According to NCES, online social science degrees are nearly $12,000 (adjusted to 2025 dollars) cheaper annually, on average, than in-person social science degrees.
How to Reduce the Cost of an Online Social Work Degree
In addition to researching and comparing the costs of programs, consider the tips below to reduce the cost of your online social work degree.
Scholarships and Financial Aid
Fill out the FAFSA, and look for private scholarships and grants. Many organizations and schools offer scholarships, some specifically for social work majors. Your college's financial aid office will have information on school-specific opportunities.
In-State Tuition
Choosing an online degree program that charges in-state tuition can reduce your costs. Some online programs offer in-state rates to all students regardless of where they live.
Transfer Credits
If you have already earned college credits, you may be able to transfer these to your new program. Transfer credits can decrease the number of courses you need to take, lower tuition costs, and help you finish your degree faster.
Accelerated Programs
Some schools offer accelerated programs, allowing you to earn your degree more quickly. These programs can save you money on tuition and other school expenses.
Scholarships for Social Work Majors
Scholarships can make your education more affordable with funds that do not need to be repaid and come from various sources, including private organizations, schools, and the government. The following are scholarships for social work majors:
Carl A. Scott Memorial Fund: Two $500 book scholarships from CSWE support students committed to advancing racial, economic, and environmental justice in social work.
Patty Gibbs Wahlberg BSW Scholarship: Three scholarships of $3,000, $2,000, and $1,000 are given to Phi Alpha Honor Society students who demonstrate service and leadership.
Phi Alpha Honor Society Student Leadership Award: The society awards three scholarships ($1,000, $750, and $500) to students who show outstanding leadership consistent with Phi Alpha's mission.
National Association of Black Social Workers: NABSW offers 11 scholarships ranging from $500-$2,500 for students who demonstrate community service and a commitment to serving the Black community.
