Analysis
Tennessee Tech's psychology program stands out for one crucial reason: graduates leave with roughly half the debt of their peers across Tennessee ($13,750 versus a state median of nearly $25,000). That's a significant advantage that compensates for first-year earnings of $28,394, which lag both the state and national medians by a few thousand dollars.
Within Tennessee's psychology landscape, this program sits squarely in the middle for earnings—40th percentile—but the debt picture transforms the value equation. While top programs like Rhodes and Vanderbilt produce higher-earning graduates, their students typically carry much heavier debt loads. The 21% earnings growth to $34,296 by year four suggests graduates find their footing in the job market, closing much of that initial gap with peer programs.
The practical implication: your child could graduate with manageable debt that represents less than half a year's salary, rather than the crushing burden that often follows psychology degrees. This isn't a path to quick financial returns—psychology bachelor's degrees rarely are—but the controlled borrowing means your graduate has breathing room to pursue graduate school, accept lower-paying but valuable early-career positions, or simply establish financial independence without constant debt stress. For families prioritizing affordability within Tennessee's public university system, that's the real value here.
Where Tennessee Technological University Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How Tennessee Technological 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 Technological University | $28,394 | $34,296 | +21% |
| 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 |
|---|---|---|---|---|---|
| $10,084 | $28,394 | $34,296 | $13,750 | 0.48 | |
| $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 Technological 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 53 graduates with reported earnings and 67 graduates with debt data. Small samples may not be representative.