Analysis
A debt load of $27,000 might sound manageable until you pair it with first-year earnings around $36,000—figures drawn from peer rehabilitation programs nationally since Union doesn't have enough graduates in this track for the Department of Education to publish actual outcomes. That 0.75 debt-to-earnings ratio lands in reasonable territory compared to many health-related fields, but it means your graduate will likely dedicate a substantial portion of early paychecks to loan payments while establishing their career.
The national benchmark suggests rehabilitation bachelor's programs cluster tightly around this $36,000 starting point, with top performers reaching only about $40,000. These estimates align with entry-level positions in occupational therapy assistance, rehabilitation counseling, or therapeutic recreation—fields where advanced credentials often unlock significantly better earnings. Tennessee has seven programs in this space, but none report public data, making it harder to assess whether Union's selectivity (47% admission rate, strong SAT averages) translates to better networking or clinical placement opportunities that might justify the investment.
The practical question is whether your student views this bachelor's as a terminal degree or a stepping stone. If they're planning graduate school for occupational therapy or physical therapy—where earnings jump considerably—this debt level is serviceable. If they're heading straight to work, comparable programs suggest modest but stable earnings in a growing field, though financial comfort may take time to achieve.
Where Union University Stands
Earnings vs. debt across all rehabilitation and therapeutic professions bachelors's programs nationally
Compare to Similar Programs Nationally
Rehabilitation and Therapeutic Professions bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $38,450 | $35,966* | — | $27,000* | — | |
| $12,240 | $59,937* | — | $18,500* | 0.31 | |
| $7,358 | $57,806* | $79,325 | —* | — | |
| $33,560 | $50,473* | $64,089 | $26,250* | 0.52 | |
| $8,353 | $47,541* | — | $25,326* | 0.53 | |
| $9,315 | $43,684* | — | —* | — | |
| National Median | — | $35,966* | — | $26,250* | 0.73 |
Career Paths
Occupations commonly associated with rehabilitation and therapeutic professions graduates
Physical Therapists
Occupational Therapists
Low Vision Therapists, Orientation and Mobility Specialists, and Vision Rehabilitation Therapists
Health Specialties Teachers, Postsecondary
Orthotists and Prosthetists
Recreational Therapists
Exercise Physiologists
Rehabilitation Counselors
Medical Appliance Technicians
Engineers, All Other
Energy Engineers, Except Wind and Solar
Mechatronics Engineers
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 Union University, approximately 25% 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 national median of 57 similar programs. Actual outcomes may vary.