Finance and Financial Management Services at The University of Tennessee-Knoxville
Bachelor's Degree
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 four—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 value—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
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-Knoxville graduates compare to all programs nationally
The University of Tennessee-Knoxville graduates earn $54k, placing them in the 51th percentile of all finance and financial management services 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
Finance and Financial Management Services bachelors's programs at peer institutions in Tennessee (21 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| The University of Tennessee-Knoxville | $53,826 | $68,331 | $23,250 | 0.43 |
| Austin Peay State University | $48,264 | — | $17,500 | 0.36 |
| Middle Tennessee State University | $46,505 | $51,478 | $22,700 | 0.49 |
| The University of Tennessee-Martin | $45,325 | $49,162 | $20,500 | 0.45 |
| University of Memphis | $44,395 | $60,358 | $27,000 | 0.61 |
| Tennessee Technological University | $41,176 | $49,735 | $16,087 | 0.39 |
| National Median | $53,590 | — | $23,332 | 0.44 |
Other Finance and Financial Management Services Programs in Tennessee
Compare tuition, earnings, and debt across Tennessee schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Austin Peay State University Clarksville | $8,675 | $48,264 | $17,500 |
| Middle Tennessee State University Murfreesboro | $9,506 | $46,505 | $22,700 |
| The University of Tennessee-Martin Martin | $10,208 | $45,325 | $20,500 |
| University of Memphis Memphis | $10,344 | $44,395 | $27,000 |
| Tennessee Technological University Cookeville | $10,084 | $41,176 | $16,087 |
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.