Median Earnings (1yr)
$65,419
23rd percentile (60th in TN)
Median Debt
$20,747
15% below national median
Debt-to-Earnings
0.32
Manageable
Sample Size
38
Adequate data

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

The University of Tennessee-ChattanoogaOther civil engineering programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How The University of Tennessee-Chattanooga graduates compare to all programs nationally

The University of Tennessee-Chattanooga graduates earn $65k, placing them in the 23th percentile of all civil engineering bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Tennessee

Civil Engineering bachelors's programs at peer institutions in Tennessee (8 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
The University of Tennessee-Chattanooga$65,419$77,793$20,7470.32
University of Memphis$64,780$69,768$29,7500.46
The University of Tennessee-Knoxville$64,386$69,659$21,4500.33
Tennessee Technological University$63,577$65,932$20,8700.33
National Median$69,574—$24,5000.35

Other Civil Engineering Programs in Tennessee

Compare tuition, earnings, and debt across Tennessee schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Memphis
Memphis
$10,344$64,780$29,750
The University of Tennessee-Knoxville
Knoxville
$13,484$64,386$21,450
Tennessee Technological University
Cookeville
$10,084$63,577$20,870

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.