Analysis
Tennessee State's psychology program quietly outperforms most Tennessee competitors despite serving a predominantly low-income student body. With graduates earning $38,799 four years out—ranking in the 60th percentile statewide—this program beats the Tennessee median by over $9,000 annually while charging only slightly more in debt than the state average. That's significant context: it costs marginally more but delivers substantially better outcomes than most Tennessee psychology programs.
The debt picture looks particularly favorable. At $27,500, graduates owe about $3,000 more than typical Tennessee psychology majors but earn enough in their first year to keep the debt-to-earnings ratio under 0.9—a manageable threshold. More impressive is the earnings trajectory: that 26% jump from year one to year four suggests graduates find their footing relatively quickly, closing the gap with higher-ranked programs like Middle Tennessee State.
For families concerned about affordability—and over half of students here receive Pell grants—this program represents a genuine opportunity. Your child won't match Vanderbilt or Rhodes earnings, but they'll likely outpace graduates from two-thirds of Tennessee psychology programs while taking on reasonable debt. The combination of below-average borrowing and above-average state outcomes makes this a practical choice for Tennessee residents considering psychology.
Where Tennessee State University Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How Tennessee State University graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Tennessee State University | $30,735 | $38,799 | +26% |
| Vanderbilt University | $36,716 | $54,652 | +49% |
| Rhodes College | $37,563 | $53,414 | +42% |
| The University of the South | $35,379 | $45,835 | +30% |
| The University of Tennessee-Chattanooga | $30,984 | $39,041 | +26% |
Compare to Similar Programs in Tennessee
Psychology bachelors's programs at peer institutions in Tennessee (34 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $8,568 | $30,735 | $38,799 | $27,500 | 0.89 | |
| $54,892 | $37,563 | $53,414 | $24,589 | 0.65 | |
| $29,790 | $37,019 | — | $21,375 | 0.58 | |
| $63,946 | $36,716 | $54,652 | $11,209 | 0.31 | |
| $53,698 | $35,379 | $45,835 | $17,148 | 0.48 | |
| $9,506 | $32,433 | $35,287 | $22,000 | 0.68 | |
| National Median | — | $31,482 | — | $25,500 | 0.81 |
Career Paths
Occupations commonly associated with psychology graduates
Industrial-Organizational Psychologists
Clinical and Counseling Psychologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Psychology Teachers, Postsecondary
Managers, All Other
Loss Prevention Managers
Social Science Research Assistants
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 Tennessee State University, approximately 52% 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 69 graduates with reported earnings and 91 graduates with debt data. Small samples may not be representative.