Median Earnings (1yr)
$60,284
10th percentile
Median Debt
$25,500
1% above national median
Debt-to-Earnings
0.42
Manageable
Sample Size
37
Adequate data

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

The University of Tennessee-ChattanoogaOther engineering-related fields 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 $60k, placing them in the 10th percentile of all engineering-related fields 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

Engineering-Related Fields bachelors's programs at peer institutions in Tennessee (3 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
The University of Tennessee-Chattanooga$60,284$61,709$25,5000.42
Middle Tennessee State University$67,431$74,671$19,5760.29
National Median$68,919—$25,3680.37

Other Engineering-Related Fields Programs in Tennessee

Compare tuition, earnings, and debt across Tennessee schools

SchoolIn-State TuitionEarnings (1yr)Debt
Middle Tennessee State University
Murfreesboro
$9,506$67,431$19,576

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.