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The University of Tennessee-Martin
Martin, TN 4,600 Undergrads 52.3% Grad Rate
Total Cost
$21,628
Sticker Price
Avg Net Price
$10,299
After Aid
Median Earnings
$44,213
10yr Post-Entry
Vs. Peer Institutions
Net Price$10,299
Peer Midpoint: $19,729.5
Earnings (10yr)$44,213
Peer Midpoint: $53,747
Graduation Rate52.3%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients46.0%
Enrollment Status
Full-Time93.2%
Economic Outcomes
Earn More than HS68.2%
Admissions Profile
Acceptance
87.3%
SAT Avg
1,090
SAT Reading
25th: 50055575th: 620
SAT Math
25th: 50053575th: 590
ACT Composite
25th: 192275th: 24
ROI Sensitivity Analysis
This analysis tests three cost scenarios (Scholarship, Average Net Price, Full Sticker Price) to show how college costs impact your long-term return compared to the average student and a high school graduate.
Lifetime Value Added (NPV)
Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$390k
-$6k
-$94k
Median Cost$10k/yr
+$353k
-$43k
-$131k
Full Cost$22k/yr
+$312k
-$84k
-$172k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
Never
-∞
Median Cost$10k/yr
Never
-355%
Full Cost$22k/yr
Never
-221%
Analysis Assumptions:
- Starting Salary: Estimated from the 10-year median earnings (assuming 2% annual growth from graduation).
- Comparisons: "Vs Median Peer" compares to the median student nationwide in a similar level program. "Vs HS Grad" compares to a median high school graduate.
- Break-Even: The age at which the college investment net income exceeds the median high school graduate's lifetime earnings.
- NPV: Net Present Value of all future earnings minus costs and taxes, discounted at 7.8%.
Social Impact ROINew
Measures the societal return on a donor's investment. Calculated as the incremental pre-tax lifetime earnings vs. HS grad, divided by the tax-adjusted donation cost.
Donor Return-283%
Gov. Pell Grant ROINew
Measures the government's return on Pell Grants via increased tax revenue. Calculated as the portion of incremental lifetime taxes (discounted at 5.4%) attributed to the Pell Grant investment.
Taxpayer Return-114%
Important Note: Your ROI with any major will depend on the cost you pay to attend the program, and your starting salary. Both vary significantly across institutions. We encourage you to explore the ROI of a specific program variant by selecting the Program title of the credential level you are interested in. You will then have a more detailed return analysis for programs at specific institutions. We also encourage you to use the ROI calculator with your specific estimates of cost and salary.
Program ROI Analysis
Bachelor's Degrees
Accounting and Related Services
BachCIP: 5203
Median Debt
$21,250
Earnings (5yr)
$68,020
Lifetime Value Added
+$67k
Agriculture, General
BachCIP: 0100
Median Debt
$19,400
Earnings (5yr)
$52,293
Lifetime Value Added
-$57k
Biology, General
BachCIP: 2601
Median Debt
$20,607
Earnings (5yr)
$52,114
Lifetime Value Added
-$59k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$22,369
Earnings (5yr)
$58,624
Lifetime Value Added
-$6k
Communication and Media Studies
BachCIP: 0901
Median Debt
$21,650
Earnings (5yr)
$39,609
Lifetime Value Added
-$163k
Computer Science
BachCIP: 1107
Median Debt
-
Earnings (5yr)
$69,380
Lifetime Value Added
+$77k
Criminal Justice and Corrections
BachCIP: 4301
Median Debt
$21,443
Earnings (5yr)
$43,797
Lifetime Value Added
-$128k
Engineering, General
BachCIP: 1401
Median Debt
$29,750
Earnings (5yr)
$77,653
Lifetime Value Added
+$139k
English Language and Literature, General
BachCIP: 2301
Median Debt
-
Earnings (5yr)
$39,322
Lifetime Value Added
-$165k
Family and Consumer Sciences/Human Sciences, General
BachCIP: 1901
Median Debt
$26,875
Earnings (5yr)
$36,129
Lifetime Value Added
-$192k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$20,251
Earnings (5yr)
$58,503
Lifetime Value Added
-$7k
Geological and Earth Sciences/Geosciences
BachCIP: 4006
Median Debt
-
Earnings (5yr)
$32,241
Lifetime Value Added
-$226k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
$20,750
Earnings (5yr)
$46,875
Lifetime Value Added
-$102k
History
BachCIP: 5401
Median Debt
-
Earnings (2yr)
$25,281
Lifetime Value Added
-$272k
Management Information Systems and Services
BachCIP: 5212
Median Debt
-
Earnings (2yr)
$41,007
Lifetime Value Added
-$130k
Marketing
BachCIP: 5214
Median Debt
$17,048
Earnings (5yr)
$52,397
Lifetime Value Added
-$56k
Multi/Interdisciplinary Studies, Other
BachCIP: 3099
Median Debt
$24,841
Earnings (5yr)
$38,915
Lifetime Value Added
-$169k
Music
BachCIP: 5009
Median Debt
-
Earnings (2yr)
$26,933
Lifetime Value Added
-$257k
Natural Resources Management and Policy
BachCIP: 0302
Median Debt
$22,997
Earnings (5yr)
$45,422
Lifetime Value Added
-$114k
Political Science and Government
BachCIP: 4510
Median Debt
-
Earnings (5yr)
$52,882
Lifetime Value Added
-$52k
Psychology, General
BachCIP: 4201
Median Debt
$25,189
Earnings (5yr)
$37,451
Lifetime Value Added
-$181k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$23,362
Earnings (5yr)
$75,442
Lifetime Value Added
+$123k
Social Work
BachCIP: 4407
Median Debt
$23,804
Earnings (5yr)
$45,566
Lifetime Value Added
-$113k
Sociology
BachCIP: 4511
Median Debt
-
Earnings (5yr)
$36,601
Lifetime Value Added
-$188k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$19,500
Earnings (5yr)
$42,991
Lifetime Value Added
-$134k
Visual and Performing Arts, General
BachCIP: 5001
Median Debt
$19,401
Earnings (5yr)
$37,646
Lifetime Value Added
-$180k
Master's Degrees
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
-
Earnings (5yr)
$81,096
Lifetime Value Added
+$258k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
-
Earnings (2yr)
$52,733
Lifetime Value Added
+$37k
Family and Consumer Sciences/Human Sciences, General
MastCIP: 1901
Median Debt
-
Earnings (2yr)
$39,287
Lifetime Value Added
-$99k
Student Counseling and Personnel Services
MastCIP: 1311
Median Debt
$49,814
Earnings (5yr)
$53,033
Lifetime Value Added
+$10k
Teacher Education and Professional Development, Specific Levels and Methods
MastCIP: 1312
Median Debt
$51,164
Earnings (5yr)
$51,390
Lifetime Value Added
-$6k
Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate, accounting for this institution's average cost and taxes. Computed over a career to retirement age.
For graduate programs (Master's, Doctoral, etc.), the calculation assumes a starting age of 22 (after undergraduate completion) and does not include the sunk costs of prior degrees. It represents the value added of the graduate degree decision moving forward. These Lifetime Value Added results should not be compared with those Undergraduate Certificates, Associates or Bachelors starting at age 18.