Analysis
Tennessee's accounting programs typically produce first-year earnings around $52,000, and Southern Adventist appears to track closely with this state norm based on comparable programs. The estimated $23,491 debt load is actually slightly below both state and national medians for accounting degrees, yielding a debt-to-earnings ratio of 0.45—meaning graduates would owe roughly five months of their first-year salary.
What's striking is how clustered Tennessee accounting outcomes are. The top programs in the state—including UT-Knoxville and Tennessee State—all report earnings within a $2,000 range of each other, suggesting that employer demand for accounting skills may matter more than institutional prestige in this region. Southern Adventist's estimated figures place it right in this competitive middle, neither dramatically outperforming nor underperforming its Tennessee peers.
The debt burden here is manageable by most standards. With accounting being one of the more reliably compensated bachelor's degrees, the numbers suggest a workable financial outcome—though remember these are estimates based on similar Tennessee programs rather than Southern Adventist's actual graduate data. If your child is committed to accounting and values the school's faith-based environment, the projected economics don't present an obvious red flag, but confirm the actual student support services and CPA exam pass rates before deciding.
Where Southern Adventist 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 |
|---|---|---|---|---|---|
| $25,590 | $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 Southern Adventist 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.