All of those professions make more money than social workers, even a bachelor level nurse (at least they have the potential for a higher salary). As far as credits per semester, my MSW is 15 and stands to be very time consuming (it's grad school); it just depends if you go full-time or not. Social work is not the kiss of death, haha, you just haven't once, no matter how much it's been pointed out, stated something you are passionate about or even interested in in the field (besides working with military family's) so we're just trying to be helpful. You stated at the beginning you wanted to know if clinical social work would be a better fit or not, but so far you've provided us with no information as to what your interests or career goals are (again, other than "working with military families") so we are trying to make it painfully obvious that you will not get rich in the field, not by a long shot, and so you had better have a strong desire to do the work. Are you interested in being a case worker at the VA? Providing psychotherapy to veterans? What is it you hope to do after graduation as a military social worker? I don't know much about the military aspect, but as you can tell from other responses, people like submarine can help you with that. I'm just making sure you know what you're getting into and why, and hopefully, if asked, answer some of your questions along the way to help you figure it out.