Analysis
With fewer than 30 graduates in the sample, these numbers deserve skepticism, but the pattern they suggest is worth examining. UTC's chemistry program produces earnings nearly identical to Tennessee's median ($41,588 vs. $41,588), placing it at the 60th percentile statewide—marginally ahead of UT-Knoxville but trailing Austin Peay. The $25,000 debt load sits above the state's typical $20,104, creating a slightly tighter financial picture than most Tennessee chemistry programs offer.
The 0.60 debt-to-earnings ratio isn't alarming—graduates could theoretically pay off loans in well under two years of full earnings—but it's worth noting this trails the national median earnings by about $1,000 annually. For a relatively accessible program (77% admission rate), UTC delivers middle-of-the-pack results both statewide and nationally. Chemistry graduates typically see stronger earnings growth in years two through ten as they move into specialized roles or graduate programs, which could improve this program's value proposition over time.
If your child is committed to chemistry and wants to stay in Tennessee, UTC won't put them at a disadvantage compared to other state options. Just remember that small sample sizes mean one year's graduate cohort could look quite different from the next. The program performs competitively within Tennessee, but the slightly elevated debt relative to state norms means families should explore scholarship opportunities aggressively.
Where The University of Tennessee-Chattanooga Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Earnings Distribution
How The University of Tennessee-Chattanooga graduates compare to all programs nationally
Compare to Similar Programs in Tennessee
Chemistry 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 |
|---|---|---|---|---|---|
| $10,144 | $41,588 | — | $24,999 | 0.60 | |
| $8,675 | $42,475 | — | $20,500 | 0.48 | |
| $13,484 | $41,589 | $44,354 | $19,500 | 0.47 | |
| $10,344 | $36,881 | $50,076 | $20,000 | 0.54 | |
| National Median | — | $42,581 | — | $24,000 | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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 The University of Tennessee-Chattanooga, approximately 32% 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 16 graduates with reported earnings and 21 graduates with debt data. Small samples may not be representative.