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However, I know Columbia has a social work program...it just didn't make much sense since social workers make less than pharmacists and will most likely struggle with a 300K dollar loan.
Pharmacists, regardless of where they graduate from, are able to find roughly the same job opportunities at roughly the same pay (I'm talking ballpark figures normalized to the area they're in, not any of the random outliers you may have heard about). This may change in the future with the glut of new schools that are opening, but that's for another discussion.
Social workers are similar to lawyers, in the respect that the positions and salaries earned depend significantly on the prestige of the program that they attended. The social worker who attended a nationally recognized school of social work, such as George Warren Brown at Washington University will stand to have many more job opportunities than someone who graduated from Adelphi University (sorry if anyone here goes to Adelphi, I'm just using it as an example).
Therefore, it's justified for an aspiring social worker to pay the additional tuition because they stand to gain a substantial amount. The pharmacist does not stand to gain a very large amount versus the additional cost of gaining a degree.