10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$207,524at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
The University of Tennessee-Martin
Martin, TN · 26 field-and-degree records
Earnings reported for 25 · Federal debt reported for 19
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$207,524 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
145.8 yrsTime to earn back the modeled cost
−93%Estimated return after 10 years
$46,528Observed earnings · year 5
Not reachedHighest annual price before payoff reaches $0
Start with your question
What do you want to understand?
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $10,112 housing and food allowance plus $6,816 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price−$164,720
$8,000Annual price−$196,720
$11,000Current college-wide context−$208,720
$16,000Annual price−$228,720
$24,000Annual price−$260,720
$32,000Annual price−$292,720
$40,000Annual price−$324,720
HOW STUDENTS ATTEND · 2023-24
Online study is a meaningful part of the student experience.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Southern Association of Colleges and Schools Commission on Colleges
- Main award level
- Bachelor’s degrees
- Campus setting
- Town
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
2,004 high-school students took college courses.
IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.
This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.
STATE PRICE CONTEXT · 2024
Prices in Tennessee run 8% below the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$10,701Average net price / year
$23,079Cost of attendance
$21,024Median federal student debt · completer borrowers
$223/moPublished 10-year payment estimate
$46,528Median earnings · year 5 after completion
52.5%Completion rate
88.2%Admission rate
1,120Average SAT score
22ACT midpoint
4,866Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about The University of Tennessee-Martin
What does The University of Tennessee-Martin cost?
The University of Tennessee-Martin reports an average annual net price of $10,701 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do The University of Tennessee-Martin graduates earn?
The observed median earnings figure is $46,528 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do The University of Tennessee-Martin graduates have?
Completer borrowers report median cumulative federal student debt of $21,024. Parent PLUS and private loans are not included.
Is every degree at The University of Tennessee-Martin worth the same?
No. The current release contains 26 field-and-degree records for The University of Tennessee-Martin; 25 report year-4 earnings and 19 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
8,783Students enrolled at any point
7,868Undergraduate students
915Graduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
45% received a Pell Grant within eight yearsMedian Parent PLUS debt
360 parent borrowers in the reported cohortMedian federal student debt
54% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$40,706Earnings are not a guarantee
Middle income$46,597Earnings are not a guarantee
Higher income$48,327Earnings are not a guarantee
Three-year repayment progress
Lower income47%
Middle income59%
Higher income68%
Undergraduate student composition
White75%
Black15%
Hispanic5%
Asian1%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
INDEPENDENT CENSUS EARNINGS VIEW
How earnings develop by field
Privacy-protected Census employment records follow graduate cohorts one, five and ten years after completion. This source is kept separate from College Scorecard because its population and methodology differ.
Field and credentialYear 1Year 5Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Bachelor’s degree · Broad federal field 14
$64,036Year 1
$86,780Year 5
$104,958Year 10
Advanced/Graduate Dentistry and Oral Sciences.Bachelor’s degree · Broad federal field 51
$76,587Year 1
$84,548Year 5
$91,084Year 10
Biochemistry, Biophysics and Molecular Biology.Bachelor’s degree · Broad federal field 26
$27,814Year 1
$61,675Year 5
$82,803Year 10
Astronomy and Astrophysics.Bachelor’s degree · Broad federal field 40
$34,351Year 1
$46,777Year 5
$80,729Year 10
Agricultural Business and Management.Bachelor’s degree · Broad federal field 01
$40,514Year 1
$53,578Year 5
$70,713Year 10
Accounting and Related Services.Bachelor’s degree · Broad federal field 52
$43,413Year 1
$62,013Year 5
$70,261Year 10
Environmental/Natural Resources Management and Policy.Bachelor’s degree · Broad federal field 03
$37,821Year 1
$45,751Year 5
$62,393Year 10
Outdoor Education.Bachelor’s degree · Broad federal field 31
$27,814Year 1
$54,051Year 5
$61,332Year 10
Median annual earnings in 2023 dollars. Each time point may use a different pooled graduation cohort. Coverage is limited to institutions participating in the Census Post-Secondary Employment Outcomes program.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$38,328Year 1
$47,898Year 4
$46,528Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Business Administration, Management and Operations · Master's Degree$99,5322Engineering, General · Bachelor's Degree$87,0433Computer Science · Bachelor's Degree$79,4034Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$77,0925Finance and Financial Management Services · Bachelor's Degree$64,8406Biology, General · Bachelor's Degree$63,4107Student Counseling and Personnel Services · Master's Degree$59,7598Accounting and Related Services · Bachelor's Degree$59,150Observed year-4 earnings · compare the same field and credential across colleges
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
1Biology, GeneralBachelor's Degree · $63,410 reported+11%vs same-degree national median$25,900federal debt2MusicBachelor's Degree · $44,910 reported+5%vs same-degree national medianNot availablefederal debt3Student Counseling and Personnel ServicesMaster's Degree · $59,759 reported-1%vs same-degree national medianNot availablefederal debt4HistoryBachelor's Degree · $49,555 reported-2%vs same-degree national medianNot availablefederal debt5Engineering, GeneralBachelor's Degree · $87,043 reported-3%vs same-degree national median$29,750federal debt6Business Administration, Management and OperationsMaster's Degree · $99,532 reported-4%vs same-degree national medianNot availablefederal debt
Comparable colleges in TN
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Clarksville, TN
Austin Peay State University
- Annual net price
- $9,735
- Observed earnings · year 5
- $48,012
- Modeled 10-year ROI
- -86%
Tennessee College of Applied Technology-McMinnville
- Annual net price
- $11,413
- Observed earnings · year 5
- $43,736
- Modeled 10-year ROI
- -106%
Volunteer State Community College
- Annual net price
- $7,802
- Observed earnings · year 5
- $45,209
- Modeled 10-year ROI
- -99%
The University of Tennessee Southern
- Annual net price
- $12,798
- Observed earnings · year 5
- $48,965
- Modeled 10-year ROI
- -83%
Compare fields and degree levels
Showing all 26 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Business Administration, Management and Operations | Master's Degree | $99,532 | Not available | Not reported |
| Engineering, General | Bachelor's Degree | $87,043 | $29,750 | Not reported |
| Computer Science | Bachelor's Degree | $79,403 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $77,092 | $25,231 | Not reported |
| Finance and Financial Management Services | Bachelor's Degree | $64,840 | $20,500 | Not reported |
| Biology, General | Bachelor's Degree | $63,410 | $25,900 | Not reported |
| Student Counseling and Personnel Services | Master's Degree | $59,759 | Not available | Not reported |
| Accounting and Related Services | Bachelor's Degree | $59,150 | $20,875 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $54,552 | $26,157 | 7 |
| Political Science and Government | Bachelor's Degree | $52,029 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Master's Degree | $50,046 | Not available | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $49,817 | $23,938 | Not reported |
| History | Bachelor's Degree | $49,555 | Not available | Not reported |
| Marketing | Bachelor's Degree | $48,255 | $17,548 | Not reported |
| Agriculture, General | Bachelor's Degree | $47,956 | $19,500 | Not reported |
| Environmental/Natural Resources Management and Policy | Bachelor's Degree | $46,540 | $22,748 | Not reported |
| Criminal Justice and Corrections | Bachelor's Degree | $46,142 | $22,671 | 2 |
| Music | Bachelor's Degree | $44,910 | Not available | Not reported |
| Communication and Media Studies | Bachelor's Degree | $44,231 | $24,481 | Not reported |
| Social Work | Bachelor's Degree | $42,811 | $25,653 | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $42,481 | $21,000 | Not reported |
| Multi/Interdisciplinary Studies, Other | Bachelor's Degree | $40,862 | $29,750 | Not reported |
| Family and Consumer Sciences/Human Sciences, General | Bachelor's Degree | $39,914 | $27,000 | Not reported |
| Visual and Performing Arts, General | Bachelor's Degree | $37,930 | $22,625 | Not reported |
| Psychology, General | Bachelor's Degree | $36,507 | $26,373 | Not reported |
| Agricultural Business and Management | Bachelor's Degree | Not available | $19,928 | Not reported |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.