Master's · Martin, Tennessee

Is Student Counseling and Personnel Services at The University of Tennessee-Martin worth it?

Low confidence Low confidence: fewer than 40 graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back slowly: graduates typically recover the cost in about 14.5 years.

Earnings 1 year after graduating
$50,825
Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating
$64,188
Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation
$51,000
NSLDS pooled AY2022-23, AY2023-24 cohort
Typical borrowing (no graduate net price is published)
$54k (likely $54k – $54k)
AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4
$5k a year vs bachelor's graduates 4 years out in TN
2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback
14.5 years (likely 7.1–20+)
Bump vs net cost plus loan interest
10-year net return
−$177k (likely −$276k – −$56k)
Today's dollars
20-year net return
−$67k (likely −$291k – $187k)
Today's dollars

Change income, residency or loans Compare Student Counseling and Personnel Services at other schools

Scorecard reports no net price for graduate programs; cost is based on what graduates typically borrowed.