Computer and Information Sciences at Pellissippi State Community College

A debt-to-earnings ratio of 0.32 puts this program well within reasonable territory—similar certificate programs nationally suggest graduates earn enough to manage their debt comfortably within a year or two. Based on peer programs across the country, first-year earnings around $39,000 with roughly $12,500 in debt means manageable monthly payments that shouldn't consume an outsized portion of take-home pay.

What's harder to assess is how Pellissippi State's program specifically compares to others in Tennessee, where ten schools offer computer science certificates but none have published graduate outcomes. This could mean small cohorts across the board, or it could reflect programs still building track records. The national benchmark suggests this field delivers consistent results at the certificate level—the 75th percentile sits at $45,400, meaning strong programs push graduates materially higher, but even median performers produce workable outcomes.

The practical concern is whether a certificate alone positions graduates for the kinds of tech roles that justify the investment, or whether it functions more as a stepping stone toward an associate or bachelor's degree. Certificate programs work best when they target specific, in-demand skills that local employers recognize. If this program connects directly to Knoxville's tech sector and leads to entry-level positions, the estimated numbers suggest reasonable value. If it's primarily an academic foundation requiring further credentials, families should factor in the total cost of that pathway before committing.