Analysis
UTC's Engineering-Related Fields program graduates start at $60,284—about $8,000 below the national median and roughly $3,500 below Tennessee's state average. Within Tennessee's small pool of three programs, this ranks at the 40th percentile, trailing Middle Tennessee State by over $7,000. Perhaps more troubling, earnings barely budge over the first four years, growing just 2% to $61,709, suggesting graduates may be entering roles with limited advancement potential.
The debt burden of $25,500 is manageable in absolute terms—slightly above the national median but higher than Tennessee's typical debt load for this field. The debt-to-earnings ratio of 0.42 means graduates can theoretically pay off loans within about six months of income, which sounds reasonable. However, this calculation matters less when the underlying earnings lag significantly behind comparable programs and show virtually no growth trajectory.
For families considering this program, the key question is whether access and proximity justify accepting below-average outcomes. If your child needs to stay in the Chattanooga area or values UTC's admission accessibility, the manageable debt softens the blow of modest earnings. But if Middle Tennessee State or out-of-state engineering programs are realistic options, those alternatives appear to offer substantially better financial returns on a similar investment.
Where The University of Tennessee-Chattanooga Stands
Earnings vs. debt across all engineering-related fields 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 | $60,284 | $61,709 | +2% |
| Stanford University | $100,788 | $141,630 | +41% |
| Stevens Institute of Technology | $79,755 | $94,324 | +18% |
| Arizona State University Campus Immersion | $76,149 | $84,356 | +11% |
| Middle Tennessee State University | $67,431 | $74,671 | +11% |
Compare to Similar Programs in Tennessee
Engineering-Related Fields bachelors's programs at peer institutions in Tennessee (3 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $10,144 | $60,284 | $61,709 | $25,500 | 0.42 | |
| $9,506 | $67,431 | $74,671 | $19,576 | 0.29 | |
| National Median | — | $68,919 | — | $25,368 | 0.37 |
Career Paths
Occupations commonly associated with engineering-related fields graduates
Architectural and Engineering Managers
Biofuels/Biodiesel Technology and Product Development Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Facilities Managers
Security Managers
Industrial Engineers
Human Factors Engineers and Ergonomists
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 37 graduates with reported earnings and 34 graduates with debt data. Small samples may not be representative.