Analysis
UTC's civil engineering program sits in an interesting position: its graduates earn less than the national average for civil engineering, yet it outperforms most Tennessee programs. Starting at $65,419 and climbing to nearly $78,000 by year four, these graduates actually edge past larger programs like UT-Knoxville and Memphis. Within Tennessee's eight engineering schools, this lands at the 60th percentile—solid middle-of-the-pack performance in a state where your tuition dollars stretch further than most.
The debt picture reinforces the value here. At $20,747, students graduate owing about $3,750 less than the national median for civil engineering programs, with a debt-to-earnings ratio of just 0.32. That means graduates owe roughly four months of their first-year salary—a manageable burden that allows recent graduates to start saving or paying down loans aggressively. The 19% earnings growth over four years suggests steady career progression, typical for engineering fields where experience commands higher pay.
For Tennessee families, this represents a straightforward path into a stable profession without the premium price tag of flagship programs. The 77% admission rate makes it accessible, and graduates enter the workforce earning competitively within their state market. If your child is drawn to civil engineering and wants to stay in Tennessee, UTC delivers solid returns without gambling on prestige or accumulating unnecessary debt.
Where The University of Tennessee-Chattanooga Stands
Earnings vs. debt across all civil engineering bachelors's programs nationally
Earnings Distribution
How The University of Tennessee-Chattanooga 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 |
|---|---|---|---|
| The University of Tennessee-Chattanooga | $65,419 | $77,793 | +19% |
| University of Southern California | $85,262 | $106,533 | +25% |
| University of Memphis | $64,780 | $69,768 | +8% |
| The University of Tennessee-Knoxville | $64,386 | $69,659 | +8% |
| Tennessee Technological University | $63,577 | $65,932 | +4% |
Compare to Similar Programs in Tennessee
Civil Engineering bachelors's programs at peer institutions in Tennessee (8 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $10,144 | $65,419 | $77,793 | $20,747 | 0.32 | |
| $10,344 | $64,780 | $69,768 | $29,750 | 0.46 | |
| $13,484 | $64,386 | $69,659 | $21,450 | 0.33 | |
| $10,084 | $63,577 | $65,932 | $20,870 | 0.33 | |
| National Median | — | $69,574 | — | $24,500 | 0.35 |
Career Paths
Occupations commonly associated with civil engineering graduates
Architectural and Engineering Managers
Biofuels/Biodiesel Technology and Product Development Managers
Petroleum Engineers
Environmental Engineers
Mining and Geological Engineers, Including Mining Safety Engineers
Civil Engineers
Transportation Engineers
Water/Wastewater Engineers
Engineering Teachers, Postsecondary
Engineers, All Other
Energy Engineers, Except Wind and Solar
Mechatronics Engineers
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 38 graduates with reported earnings and 33 graduates with debt data. Small samples may not be representative.