Median Earnings (1yr)
$45,184
34th percentile (40th in TN)
Median Debt
$18,750
13% below national median
Debt-to-Earnings
0.41
Manageable
Sample Size
18
Limited data

Analysis

Middle Tennessee State's mathematics program produces graduates earning $45,184 initially—below both the Tennessee median ($51,247) and national average for math degrees. At the 40th percentile statewide, this places MTSU in the bottom half of Tennessee math programs, trailing not just elite Vanderbilt but also public competitors like University of Memphis by over $12,000. The good news? Four-year earnings climb to $52,689, showing solid 17% growth that brings graduates closer to competitive territory.

The debt picture offers some relief. At $18,750, borrowing matches the Tennessee median and sits comfortably below the national benchmark of $21,500. With a 0.41 debt-to-earnings ratio, graduates can reasonably expect to manage repayment, though the lower starting salary means the first few years will feel tighter than for peers at higher-earning programs.

One critical caveat: this data comes from fewer than 30 graduates, making these numbers somewhat unstable. A few high or low earners can skew the entire picture. For families seeking a manageable in-state option for math, MTSU delivers reasonable debt and eventual earnings growth. But if teaching secondary math or pursuing graduate school aren't the plan, exploring why this program underperforms other Tennessee publics would be wise—career services, geographic location of graduates, or industry connections could all play a role in these below-median outcomes.

Where Middle Tennessee State University Stands

Earnings vs. debt across all mathematics bachelors's programs nationally

Middle Tennessee State UniversityOther mathematics 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 Middle Tennessee State University graduates compare to all programs nationally

Middle Tennessee State University graduates earn $45k, placing them in the 34th percentile of all mathematics bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Tennessee

Mathematics bachelors's programs at peer institutions in Tennessee (34 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Middle Tennessee State University$45,184$52,689$18,7500.41
Vanderbilt University$103,812$125,955$10,0000.10
University of Memphis$57,310—$24,1250.42
The University of Tennessee-Knoxville$39,043$45,382$25,0000.64
National Median$48,772—$21,5000.44

Other Mathematics Programs in Tennessee

Compare tuition, earnings, and debt across Tennessee schools

SchoolIn-State TuitionEarnings (1yr)Debt
Vanderbilt University
Nashville
$63,946$103,812$10,000
University of Memphis
Memphis
$10,344$57,310$24,125
The University of Tennessee-Knoxville
Knoxville
$13,484$39,043$25,000

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 Middle Tennessee State 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.

Sample Size: Based on 18 graduates with reported earnings and 21 graduates with debt data. Small samples may not be representative.