-100%
3-year cohort default rate
3-year cohort default rate at The University of Tennessee-Martin fell 100% between 2021 and 2024 (2.2% → 0.0%).
Tennessee · Public · Predominantly bachelor's
The University of Tennessee-Martin
Martin, Tennessee. 4,600 undergraduate students. 47 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at The University of Tennessee-Martin
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
-12%
Median federal debt at exit
Median federal debt at exit at The University of Tennessee-Martin fell 11% between 2017 and 2020 ($23.8k → $21.0k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Tennessee
Each tile compares this institution to the Tennessee median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$44,213+14% · 6→10y
Tennessee median $38,880$38,863
Treasury earnings · 6y post-entry54.8%+61% · '98→'24
Tennessee median 57.6%$12,981+426% · '97→'20
At program completion4,600-9% · '96→'24
latest IPEDS73.4%+5% · '04→'24
first-time, full-time87.3%+59% · '01→'24
latest cohort$10,208+273% · '00→'24
out-of-state $16,248SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
3.9%Median federal debt $12,981 amortized over 10 years vs. median earnings $44,213 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+61%
The University of Tennessee-Martin · completion · 150% rose
32.7% → 52.5%
+288%
The University of Tennessee-Martin · completion · 100% rose
9.4% → 36.5%
+273%
The University of Tennessee-Martin · in-state tuition rose
$2,830 → $10,560
+95%
The University of Tennessee-Martin · out-of-state tuition rose
$8,510 → $16,600
+426%
The University of Tennessee-Martin · median debt rose
$4,000 → $21,024
-100%
The University of Tennessee-Martin · cohort default rate fell
16.1% → 0.0%
+22%
The University of Tennessee-Martin · earnings_median_10yr rose
$36,300 → $44,213
+24%
The University of Tennessee-Martin · earnings_median_8yr rose
$33,600 → $41,809
+28%
The University of Tennessee-Martin · earnings_median_6yr rose
$30,300 → $38,863
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Business Administration, Management and Operations.$81,096Engineering, General.$77,653Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$75,442Computer Science.$69,380Accounting and Related Services.$68,020Business Administration, Management and Operations.$58,624Finance and Financial Management Services.$58,503Student Counseling and Personnel Services.$53,033Political Science and Government.$52,882Marketing.$52,397Agriculture, General.$52,293Biology, General.$52,114Teacher Education and Professional Development, Specific Levels and Methods.$51,390Health and Physical Education/Fitness.$46,875Social Work.$45,566Natural Resources Management and Policy.$45,422Criminal Justice and Corrections.$43,797Teacher Education and Professional Development, Specific Levels and Methods.$42,991Communication and Media Studies.$39,609English Language and Literature, General.$39,322Multi/Interdisciplinary Studies, Other.$38,915Visual and Performing Arts, General.$37,646Psychology, General.$37,451Sociology.$36,601
Showing top 24 of 26 ranked programs.
SECTION 06 · BY CIP FAMILY
26 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
EDUCATION · CIP 13
ENGINEERING · CIP 14
FAMILY & CONSUMER SCIENCES · CIP 19
ENGLISH LANGUAGE & LITERATURE · CIP 23
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
MULTI/INTERDISCIPLINARY STUDIES · CIP 30
PARKS, RECREATION & FITNESS · CIP 31
PHYSICAL SCIENCES · CIP 40
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
SOCIAL SCIENCES · CIP 45
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
AGRICULTURE · CIP 01
NATURAL RESOURCES & CONSERVATION · CIP 03
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at The University of Tennessee-Martin
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$294,165
Over 40 years, discounted 5.0%
BREAKEVEN
Year 11
First year cumulative discounted earnings cross zero
- Cost per year
- $12,457
- HS-only baseline · TN
- $34,600
- Years to complete
- 4
- CIP family
- 01
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Tennessee
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“The University of Tennessee-Martin graduates earn $X” — not “The University of Tennessee-Martin makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending The University of Tennessee-Martin caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.