Median Earnings (1yr)
$35,538
10th percentile (25th in TN)
Median Debt
$19,297
26% below national median
Debt-to-Earnings
0.54
Manageable
Sample Size
24
Limited data

Analysis

Cumberland's business program produces graduates earning just $35,538 a year out—roughly $7,400 below the Tennessee median and $10,000 below the national average for business degrees. Among Tennessee's 38 business programs, this ranks in the bottom quarter. Compare that to in-state alternatives like UT-Knoxville or Union University, where business grads earn over $58,000, and the gap becomes stark. The debt load is manageable at $19,297, which is actually lower than typical business program debt, but that advantage matters less when earnings lag this significantly.

The small sample size here (under 30 graduates) means these numbers could shift substantially year to year, so there's inherent uncertainty in the data. Still, landing in the 10th percentile nationally suggests a persistent challenge rather than a statistical fluke. For context, business degrees typically offer strong early earnings—this program delivers the opposite.

If your child is set on Cumberland for other reasons (athletics, scholarships, campus fit), understand they'll likely need several years of career progression to catch up to what peers at other Tennessee schools earn immediately. For families prioritizing return on investment, Tennessee's public universities and several private alternatives show demonstrably stronger outcomes in this field. The low debt won't offset starting a career $20,000+ behind peers from comparable programs.

Where Cumberland University Stands

Earnings vs. debt across all business administration, management and operations bachelors's programs nationally

Cumberland UniversityOther business administration, management and operations programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Cumberland University graduates compare to all programs nationally

Cumberland University graduates earn $36k, placing them in the 10th percentile of all business administration, management and operations bachelors programs nationally.

Compare to Similar Programs in Tennessee

Business Administration, Management and Operations bachelors's programs at peer institutions in Tennessee (38 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Cumberland University$35,538—$19,2970.54
The University of Tennessee-Knoxville$59,147$68,864$20,5000.35
Tennessee Wesleyan University$58,859$51,442$29,7500.51
Rhodes College$58,550$72,782$22,2400.38
Union University$58,201$36,947$33,3330.57
Bryan College-Dayton$52,528—$27,0000.51
National Median$45,703—$26,0000.57

Other Business Administration, Management and Operations Programs in Tennessee

Compare tuition, earnings, and debt across Tennessee schools

SchoolIn-State TuitionEarnings (1yr)Debt
The University of Tennessee-Knoxville
Knoxville
$13,484$59,147$20,500
Tennessee Wesleyan University
Athens
$29,264$58,859$29,750
Rhodes College
Memphis
$54,892$58,550$22,240
Union University
Jackson
$38,450$58,201$33,333
Bryan College-Dayton
Dayton
$18,900$52,528$27,000

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 Cumberland University, approximately 33% 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.

Sample Size: Based on 24 graduates with reported earnings and 30 graduates with debt data. Small samples may not be representative.