Median Earnings (1yr)
$53,826
51st percentile
60th percentile in Tennessee
Median Debt
$23,250
At national median

Analysis

UT-Knoxville's finance program delivers something rare: strong first-year outcomes that accelerate rather than plateau. Starting at $53,826, graduates see earnings jump 27% to $68,331 by year fourβ€”a trajectory that suggests these students are landing roles with genuine advancement potential rather than dead-end analyst positions. Among Tennessee's 21 finance programs, this ranks 60th percentile for earnings while outperforming peer state schools like Memphis ($44,395) and Tennessee Tech ($41,176) by substantial margins.

The $23,250 debt load translates to a 0.43 debt-to-earnings ratio, meaning graduates owe less than half their first-year salary. That's manageable by any standard and provides breathing room for young professionals building careers in banking, corporate finance, or investment management. The program essentially tracks national medians across both earnings and debt, which at a flagship state university represents solid valueβ€”you're getting outcomes comparable to the national market at in-state tuition rates.

The admission selectivity (46% acceptance, 1304 SAT) suggests UT-Knoxville attracts capable students who can compete for better opportunities, which likely contributes to that healthy earnings trajectory. For Tennessee families, this program offers a straightforward value proposition: competitive starting salaries that grow meaningfully, reasonable debt, and outcomes that outpace most in-state alternatives.

Where The University of Tennessee-Knoxville Stands

Earnings vs. debt across all finance and financial management services bachelors's programs nationally

Earnings Distribution

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

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

School1 Year4 YearsGrowth
The University of Tennessee-Knoxville$53,826$68,331+27%
University of Memphis$44,395$60,358+36%
East Tennessee State University$39,936$54,144+36%
Middle Tennessee State University$46,505$51,478+11%
Tennessee Technological University$41,176$49,735+21%

Compare to Similar Programs in Tennessee

Finance and Financial Management Services bachelors's programs at peer institutions in Tennessee (21 total in state)

Scroll to see more β†’

SchoolIn-State TuitionEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
The University of Tennessee-KnoxvilleKnoxville$13,484$53,826$68,331$23,2500.43
Austin Peay State UniversityClarksville$8,675$48,264β€”$17,5000.36
Middle Tennessee State UniversityMurfreesboro$9,506$46,505$51,478$22,7000.49
The University of Tennessee-MartinMartin$10,208$45,325$49,162$20,5000.45
University of MemphisMemphis$10,344$44,395$60,358$27,0000.61
Tennessee Technological UniversityCookeville$10,084$41,176$49,735$16,0870.39
National Medianβ€”$53,590β€”$23,3320.44

Career Paths

Occupations commonly associated with finance and financial management services graduates

Financial Managers

Plan, direct, or coordinate accounting, investing, banking, insurance, securities, and other financial activities of a branch, office, or department of an establishment.

$161,700/yrJobs growth:Bachelor's degree

Treasurers and Controllers

Direct financial activities, such as planning, procurement, and investments for all or part of an organization.

$161,700/yrJobs growth:Bachelor's degree

Investment Fund Managers

Plan, direct, or coordinate investment strategy or operations for a large pool of liquid assets supplied by institutional investors or individual investors.

$161,700/yrJobs growth:Bachelor's degree

Chief Executives

Determine and formulate policies and provide overall direction of companies or private and public sector organizations within guidelines set up by a board of directors or similar governing body. Plan, direct, or coordinate operational activities at the highest level of management with the help of subordinate executives and staff managers.

$105,350/yrJobs growth:Bachelor's degree

Chief Sustainability Officers

Communicate and coordinate with management, shareholders, customers, and employees to address sustainability issues. Enact or oversee a corporate sustainability strategy.

$105,350/yrJobs growth:Bachelor's degree

General and Operations Managers

Plan, direct, or coordinate the operations of public or private sector organizations, overseeing multiple departments or locations. Duties and responsibilities include formulating policies, managing daily operations, and planning the use of materials and human resources, but are too diverse and general in nature to be classified in any one functional area of management or administration, such as personnel, purchasing, or administrative services. Usually manage through subordinate supervisors. Excludes First-Line Supervisors.

$105,350/yrJobs growth:Bachelor's degree

Personal Financial Advisors

Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.

$102,140/yrJobs growth:Bachelor's degree

Financial and Investment Analysts

Conduct quantitative analyses of information involving investment programs or financial data of public or private institutions, including valuation of businesses.

$101,910/yrJobs growth:Bachelor's degree

Financial Risk Specialists

Analyze and measure exposure to credit and market risk threatening the assets, earning capacity, or economic state of an organization. May make recommendations to limit risk.

$101,910/yrJobs growth:Bachelor's degree

Budget Analysts

Examine budget estimates for completeness, accuracy, and conformance with procedures and regulations. Analyze budgeting and accounting reports.

$87,930/yrJobs growth:Bachelor's degree

Business Teachers, Postsecondary

Teach courses in business administration and management, such as accounting, finance, human resources, labor and industrial relations, marketing, and operations research. Includes both teachers primarily engaged in teaching and those who do a combination of teaching and research.

$83,980/yrJobs growth:

Insurance Underwriters

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

$79,880/yrJobs growth:Bachelor's degree
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-Knoxville, approximately 21% 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 210 graduates with reported earnings and 185 graduates with debt data. Small samples may not be representative.