Analysis
UT-Martin graduates in Health and Physical Education start modestly at $30,587, but their earnings trajectory tells a more encouraging story. Within four years, median pay jumps 40% to $42,714—substantially outpacing the typical career arc for this major. While the program ranks squarely at the national median initially, it outperforms 60% of Tennessee programs in the same field, sitting comfortably above the state's $28,069 median. Among Tennessee schools, only Tennessee Tech and a few others produce higher early earnings in this field.
The debt picture is reasonable at $23,938, resulting in a manageable 0.78 ratio to first-year income. Graduates can realistically pay this down within a few years, especially as their earnings accelerate. This matters for a career path that often includes teaching, coaching, or fitness management roles—positions where starting salaries lag but mid-career stability improves. The 40% earnings growth suggests graduates are moving into coordinator roles, administrative positions, or specialized training careers faster than peers elsewhere.
For families concerned about return on investment in education fields, UT-Martin offers a practical advantage: solid in-state positioning with debt that won't become burdensome. The real value emerges in years 2-4, when earnings gains meaningfully outpace what most health and PE programs deliver nationally.
Where The University of Tennessee-Martin Stands
Earnings vs. debt across all health and physical education/fitness bachelors's programs nationally
Earnings Distribution
How The University of Tennessee-Martin 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-Martin | $30,587 | $42,714 | +40% |
| The University of Tennessee-Knoxville | $27,374 | $50,183 | +83% |
| University of Memphis | $32,305 | $42,763 | +32% |
| Middle Tennessee State University | $32,966 | $42,215 | +28% |
| The University of Tennessee-Chattanooga | $29,772 | $41,800 | +40% |
Compare to Similar Programs in Tennessee
Health and Physical Education/Fitness bachelors's programs at peer institutions in Tennessee (31 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $10,208 | $30,587 | $42,714 | $23,938 | 0.78 | |
| $10,084 | $33,170 | $39,681 | $15,653 | 0.47 | |
| $9,506 | $32,966 | $42,215 | $23,500 | 0.71 | |
| $41,320 | $32,464 | $37,714 | $20,000 | 0.62 | |
| $10,344 | $32,305 | $42,763 | $27,500 | 0.85 | |
| $8,675 | $31,846 | $36,870 | $25,000 | 0.79 | |
| National Median | — | $30,554 | — | $25,757 | 0.84 |
Career Paths
Occupations commonly associated with health and physical education/fitness graduates
Recreation and Fitness Studies Teachers, Postsecondary
Entertainment and Recreation Managers, Except Gambling
Athletes and Sports Competitors
Athletic Trainers
Exercise Physiologists
Exercise Trainers and Group Fitness Instructors
Coaches and Scouts
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.
Sample Size: Based on 69 graduates with reported earnings and 121 graduates with debt data. Small samples may not be representative.