Most Affordable Online BSW Programs: Low-Cost Bachelor's Degrees

Spotlighting Affordable Online BSW Degrees

Getting a high-quality education doesn’t have to mean taking on massive debt. Below, we’ve highlighted three of the most budget-friendly programs available, each offering flexible learning and regionally diverse options.

You’ll also discover practical strategies to reduce expenses and understand the factors that affect how much your degree will actually cost.

Affording Your BSW Program

Even if you choose an affordable program, there are several ways to make your education even more cost-effective. Here are five strategies to help you reduce expenses while earning your degree:

1. Start at Community College & Transfer Credits: Complete general education and prerequisite courses at a community college or other low-cost institution, then transfer into the BSW program. Some students begin with an online associate in social work to get the foundational coursework done at a reduced cost. Many BSW programs accept around 60 transfer credits, so you pay the higher university tuition only for your junior and senior years.
2. Maximize Scholarships and Grants: Apply for every scholarship or grant you qualify for—both within the university and from outside organizations. Many social work students are eligible for aid from sources like the NASW, CSWE, community foundations, or state grant programs. You can also explore available scholarship opportunities, including scholarships exclusively for online learners if you’re in a distance program. Unlike loans, scholarships and grants don’t have to be repaid.
3. Utilize Work-Study or Tuition Assistance Programs: If you demonstrate financial need, pursue a Federal Work-Study position, which lets you earn money (often in a campus office or nonprofit agency) to apply toward expenses​. Additionally, if you are already employed in a social service setting, check if your employer offers tuition reimbursement. Some employers, especially in human services, will pay for part of an employee’s degree in return for a work commitment. These programs can significantly offset tuition or fees.
4. Choose an Online/In-State Program to Save Money: When comparing programs, keep in mind that public universities typically charge lower tuition, and in-state rates are usually much cheaper than out-of-state​. Many online programs (like those above) offer in-state or reduced tuition to everyone. By choosing an affordable online BSW – especially one that grants in-state tuition to non-residents – you can save thousands in costs. Online study also lets you avoid relocation or campus housing expenses, and you can often continue working part-time due to the flexible schedule.
5. Minimize Textbook and Supply Costs: Social work textbooks and software can be expensive, so employ strategies to reduce these out-of-pocket costs. Whenever possible, rent textbooks, buy used books, or use library and open-access materials instead of buying new. Many courses have free or low-cost e-books or reader options – ask your professors if alternatives exist. By utilizing low-cost textbook options​ and taking advantage of campus library resources, you can save hundreds of dollars each semester.

Affordability Considerations for Your Bachelor’s in Social Work

When planning for the cost of a BSW program, consider these five key factors that affect affordability:

1. In-State vs. Out-of-State Tuition: Public universities have different tuition rates for residents and non-residents. In-state tuition can be thousands of dollars lower per year than out-of-state. Some online programs offer tuition parity (same rate for all) or regional discounts. Ensuring you qualify for in-state rates—or choosing a school with low non-resident surcharges—greatly improves affordability.
2. Program Format and Fees: Fully online students usually don’t pay certain campus fees (parking, athletics, student center fees), and they save on commuting or relocating. However, some schools do charge technology fees for online courses. Additionally, check whether the school offers a flat-rate tuition for full-time enrollment. If so, taking a heavier course load could reduce your overall per-credit costs.
3. Available Financial Aid and Support: The overall affordability of a BSW degree heavily depends on how much financial aid you receive. For instance, universities with robust financial support or dedicated funds for social work majors can significantly reduce your out-of-pocket expenses. After graduation, you may also qualify for student loan forgiveness programs if you meet certain requirements.
4. Additional Requirements and Hidden Costs: Beyond tuition, consider expenses like textbooks, supplies, and program-specific fees (e.g., licensure prep, background checks for field placement). Field education may require travel to internship sites, and some online programs have occasional in-person residencies. Planning for these ancillary costs will help you avoid surprises.