Analysis
Tusculum's psychology program outperforms most Tennessee competitors despite modest absolute earnings—graduates land in the 60th percentile statewide, ahead of institutions like Middle Tennessee State and just behind private schools with far higher tuition. Starting at $30,170, earnings grow 19% to nearly $36,000 by year four, a solid trajectory that places graduates within striking distance of programs at Rhodes and Vanderbilt. The debt picture reinforces this program's value: at $28,500, it's higher than the state median but sits in the 10th percentile nationally, meaning 90% of psychology programs nationwide saddle students with more debt for similar or worse outcomes.
The caveat matters here—with fewer than 30 graduates in this cohort, these numbers could shift significantly with a larger sample. That said, serving a student body where 45% receive Pell grants, Tusculum appears to deliver accessible education that translates into middle-tier outcomes within Tennessee's psychology landscape.
For families weighing options, this program offers a practical path: manageable debt paired with earnings that exceed most in-state alternatives. The year-one debt-to-earnings ratio of 0.94 suggests graduates can realistically tackle their loans, and the upward earnings trajectory indicates improving financial stability. If your child is committed to psychology and considering Tennessee schools, Tusculum represents solid value—just understand the small sample size means you're working with limited data.
Where Tusculum University Stands
Earnings vs. debt across all psychology bachelors's programs nationally
Earnings Distribution
How Tusculum University 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 |
|---|---|---|---|
| Tusculum University | $30,170 | $35,851 | +19% |
| Vanderbilt University | $36,716 | $54,652 | +49% |
| Rhodes College | $37,563 | $53,414 | +42% |
| The University of the South | $35,379 | $45,835 | +30% |
| The University of Tennessee-Chattanooga | $30,984 | $39,041 | +26% |
Compare to Similar Programs in Tennessee
Psychology 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 |
|---|---|---|---|---|---|
| $28,500 | $30,170 | $35,851 | $28,500 | 0.94 | |
| $54,892 | $37,563 | $53,414 | $24,589 | 0.65 | |
| $29,790 | $37,019 | — | $21,375 | 0.58 | |
| $63,946 | $36,716 | $54,652 | $11,209 | 0.31 | |
| $53,698 | $35,379 | $45,835 | $17,148 | 0.48 | |
| $9,506 | $32,433 | $35,287 | $22,000 | 0.68 | |
| National Median | — | $31,482 | — | $25,500 | 0.81 |
Career Paths
Occupations commonly associated with psychology graduates
Industrial-Organizational Psychologists
Clinical and Counseling Psychologists
Psychologists, All Other
Neuropsychologists
Clinical Neuropsychologists
Psychology Teachers, Postsecondary
Managers, All Other
Loss Prevention Managers
Social Science Research Assistants
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 Tusculum University, approximately 45% 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 22 graduates with reported earnings and 42 graduates with debt data. Small samples may not be representative.