Analysis
Bethel's accounting program sits in challenging terrain—$23,500 in estimated debt against first-year earnings that peer Tennessee programs suggest will be around $52,000. That's a manageable debt-to-earnings ratio of 0.45, meaning roughly half a year's salary to repay. The unknown here is whether Bethel's graduates match that state median or fall below it.
Similar accounting programs in Tennessee produce remarkably consistent outcomes, with first-year earnings clustering tightly between $52,000 and $54,000. That narrow range suggests accounting credentials translate fairly reliably to entry-level salaries regardless of where you study in the state. However, with only 10 Tennessee programs reporting earnings data (out of 28 total), there's meaningful uncertainty about whether smaller schools like Bethel perform on par with their larger counterparts like UT-Knoxville or Middle Tennessee State.
The practical question is whether Bethel offers something—location, flexibility, community—that larger programs don't, because the financial picture alone doesn't distinguish it. If your child thrives in smaller settings and the estimated numbers hold true, this is workable debt for an accounting career. But if proximity or fit aren't compelling factors, programs with verified outcomes at similar debt levels would reduce the guesswork considerably.
Where Bethel University Stands
Earnings vs. debt across all accounting bachelors's programs nationally
Compare to Similar Programs in Tennessee
Accounting bachelors's programs at peer institutions in Tennessee (28 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $18,168 | $51,694* | — | $23,491* | — | |
| $8,568 | $53,620* | $50,033 | $29,250* | 0.55 | |
| $22,690 | $53,577* | $70,035 | $16,750* | 0.31 | |
| $13,484 | $53,197* | $71,799 | $22,000* | 0.41 | |
| $13,920 | $52,373* | $56,398 | $54,989* | 1.05 | |
| $9,506 | $51,963* | $59,969 | $24,553* | 0.47 | |
| National Median | — | $53,694* | — | $25,000* | 0.47 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Bethel University, approximately 31% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 10 similar programs in TN. Actual outcomes may vary.