Analysis
Tennessee special education programs cluster tightly around $44,000 in first-year earnings, and Freed-Hardeman's outcomes appear to track with this state norm based on comparable programs. The debt picture, however, deserves closer scrutiny. While the estimated $27,000 reflects the national median for similar private institutions, Tennessee programs typically carry debt closer to $19,400—nearly $8,000 less. That difference matters when you're starting at a salary that barely cracks the low-to-mid $40,000s.
The debt-to-earnings ratio of 0.61 sits in manageable territory compared to many education degrees, but this calculation assumes you'll secure a special education position immediately after graduation. Public universities like University of Memphis and Middle Tennessee State appear to produce comparable salary outcomes while their graduates typically carry lower debt loads. The savings from attending a state school could exceed the cost of a reliable used car—money that matters significantly when you're beginning a teaching career.
For families drawn to Freed-Hardeman's faith-based environment, understand that you're likely paying a premium over state alternatives without clear evidence of superior career outcomes. If the campus community justifies that cost difference to your family, the program appears aligned with state standards. But if you're choosing primarily on career preparation, Tennessee's public options merit serious consideration given the similar earning trajectories at substantially lower estimated debt burdens.
Where Freed-Hardeman University Stands
Earnings vs. debt across all special education and teaching bachelors's programs nationally
Compare to Similar Programs in Tennessee
Special Education and Teaching bachelors's programs at peer institutions in Tennessee (26 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $25,000 | $44,404* | — | $27,000* | — | |
| $10,344 | $44,664* | $41,006 | $23,397* | 0.52 | |
| $34,700 | $44,404* | — | $19,398* | 0.44 | |
| $9,506 | $44,052* | $41,658 | $18,493* | 0.42 | |
| National Median | — | $44,139* | — | $26,717* | 0.61 |
Career Paths
Occupations commonly associated with special education and teaching graduates
Education Teachers, Postsecondary
Special Education Teachers, Preschool
Special Education Teachers, Middle School
Special Education Teachers, Secondary School
Special Education Teachers, All Other
Adapted Physical Education Specialists
Interpreters and Translators
Special Education Teachers, Kindergarten
Special Education Teachers, Elementary School
Teaching Assistants, Special Education
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 Freed-Hardeman University, approximately 22% 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 3 similar programs in TN. Actual outcomes may vary.