Analysis
A bachelor's degree in chemistry from UT-Martin shows reasonable debt management at an estimated $20,104, well below the national median of $24,000 for chemistry programs. Based on Tennessee's chemistry graduates, first-year earnings around $41,589 track closely with both state and national benchmarks, suggesting this program prepares students comparably to peer institutions. The debt-to-earnings ratio of 0.48 means graduates would owe roughly half their starting salary—a manageable burden that most could reasonably pay down within several years.
What's harder to assess is where exactly UT-Martin stands within Tennessee's chemistry landscape. Peer programs in the state—from UT-Knoxville to Memphis—span a $5,600 earnings range in their first year out, and without program-specific data, we can't pinpoint whether UT-Martin leans toward the higher or lower end. The school's 87% admission rate and solid STEM reputation suggest it's preparing graduates adequately, but chemistry careers often depend heavily on lab experience, research opportunities, and graduate school placement—factors that vary considerably between institutions.
For families weighing this program, the estimated financials suggest reasonable value: lower-than-average debt paired with competitive Tennessee earnings. However, before committing, visit the department to understand research opportunities and career outcomes specific to UT-Martin's graduates, since these estimated figures can't tell you whether this particular program opens doors to graduate programs or industry positions as effectively as its in-state competitors.
Where The University of Tennessee-Martin Stands
Earnings vs. debt across all chemistry bachelors's programs nationally
Compare to Similar Programs in Tennessee
Chemistry bachelors's programs at peer institutions in Tennessee (34 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $10,208 | $41,589* | — | $20,104* | — | |
| $8,675 | $42,475* | — | $20,500* | 0.48 | |
| $13,484 | $41,589* | $44,354 | $19,500* | 0.47 | |
| $10,144 | $41,588* | — | $24,999* | 0.60 | |
| $10,344 | $36,881* | $50,076 | $20,000* | 0.54 | |
| National Median | — | $42,581* | — | $24,000* | 0.56 |
Career Paths
Occupations commonly associated with chemistry graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Computer and Information Research Scientists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Chemists
Chemistry Teachers, Postsecondary
Environmental Science Teachers, Postsecondary
Physics Teachers, Postsecondary
Environmental Scientists and Specialists, Including Health
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-Martin, approximately 34% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 4 similar programs in TN. Actual outcomes may vary.