CollegeTuitionData — College Data in Plain English

The University of Tennessee-Martin

Martin, TN 38238 — Public

Value Score: 85/100 | ROI Score: 5 | Affordability Score: 90/100

Tuition (In-State): $10,560 | Out-of-State: $16,600

Acceptance Rate: 88.2% | Graduation Rate: 53.6% | Retention Rate: 77.0%

Median Earnings (10yr): $44,213 | Median Debt: $21,024

SAT Average: 1120 | ACT Midpoint: 22

Student Body Size: 4,866 (medium)

Pell Grant Recipients: 34.4% | Federal Loan Rate: 30.7%

Average Faculty Salary: $8,367/month

Tuition & Affordability Analysis

In-state tuition at The University of Tennessee-Martin is $10,560 per year, which is 3% below the national average for public institutions.

Out-of-state students pay $16,600/year — a premium of $6,040 over in-state rates. Over four years, out-of-state students pay approximately $24,160 more than their in-state peers.

Estimated four-year tuition cost: $42,240 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at The University of Tennessee-Martin:

  • Families earning $0–$30,000: $7,151/year
  • Families earning $30,001–$48,000: $8,961/year
  • Families earning $48,001–$75,000: $11,640/year
  • Families earning $75,001–$110,000: $15,343/year
  • Families earning $110,000+: $15,827/year

Low-income families receive an average discount of $3,409/year, paying just 68% of the sticker price.

Admissions Snapshot

The University of Tennessee-Martin has an acceptance rate of 88.2%, placing it in the Open Admission (85%+) category. This means roughly 1,379 students apply each year.

The University of Tennessee-Martin accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

The average SAT score of admitted students is 1120, 6% above the national average. This is within the mid-range nationally.

The ACT midpoint is 22, 5% above the national average.

Graduate Outcomes & Return on Investment

53.6% of students at The University of Tennessee-Martin complete their degree, 13% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 77.0% (5% below the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of The University of Tennessee-Martin earn a median salary of $44,213 ten years after enrollment, 8% above the national average. This represents a $9,213/year earnings premium over the average high school diploma holder, or $276,390 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $21,024, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $228/month, with a total repayment of $27,360 (including $6,336 in interest).

Debt-to-Earnings Ratio: 0.48x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from The University of Tennessee-Martin pays for itself in approximately 5 years. This is an excellent return on investment.

Financial Aid Profile

34.4% of students at The University of Tennessee-Martin receive Pell Grants (federal need-based aid for families earning under ~$60,000), 4% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

30.7% of students take federal loans, 35% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.

Average faculty salary: $8,367/month, 4% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

The University of Tennessee-Martin enrolls 4,866 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 41/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 75%, Hispanic 5%, Black 15%, Asian 1%.

The University of Tennessee-Martin: Medium-Sized Public Institution with Strong Academic Support and Affordable Tuition

Report Card: Overall Grade C-

The University of Tennessee-Martin receives an overall grade of C- based on six dimensions:

  • Academics: D
  • Value: D
  • Outcomes: C
  • Affordability: C+

College Analysis

The University of Tennessee-Martin is a Public institution in Martin, TN with approximately 4,866 students. Academics: The University of Tennessee-Martin has a relatively high graduation rate of 53.64%, indicating strong academic support and resources. Value: The university offers a relatively low tuition for in-state students at $10,560, making it an affordable option compared to out-of-state tuition. Outcomes: Graduates earn a median salary of $44,213 after 10 years, which is competitive with similar institutions in the region.

The Verdict: Is The University of Tennessee-Martin Worth It?

The University of Tennessee-Martin presents a compelling case for value, particularly for in-state students. With an in-state tuition of $10,560 and a median 10-year earnings of $44,213, the financial picture is quite favorable. The median debt of $21,024 is also relatively modest. Based on these figures, a student could potentially pay off their debt within 2-3 years of graduation, assuming a reasonable portion of their income goes towards loan repayment. The ROI score of 5 further reinforces this positive outlook. While out-of-state tuition significantly increases the cost, the median earnings suggest that even out-of-state students can see a reasonable return on their investment over time, though the payoff period will be longer. UT Martin is not a luxury brand, but it delivers a solid educational foundation that translates into stable career paths, especially within Tennessee. It's a good deal for students seeking an affordable, quality education with a clear path to regional employment. Recommendation: For Tennessee residents, UT Martin is a strong value proposition and a hidden gem for career-focused education. For out-of-state students, it remains a solid, albeit less dramatically advantageous, investment.

Return on Investment

While the degree is worth the cost for in-state students, the higher out-of-state tuition may not provide as strong a return on investment.

Debt Reality Check

Median student debt at The University of Tennessee-Martin: $21,024. Monthly payment on a standard 10-year plan: $239/month. Total repaid: $28,680 ($7,656 in interest).

Breakeven vs high school diploma: 1.5 years. Debt burden: Manageable. Salary needed for comfortable repayment: $28,680.

Strengths

  • Strong academic support and resources
  • High graduation rate
  • Affordable tuition for in-state students

Weaknesses

  • Lower median earnings compared to some peers
  • Higher out-of-state tuition
  • Smaller student body size

Academic Profile

SAT Average: 1120. ACT Midpoint: 22. Retention Rate: 77.0%.

UT Martin distinguishes itself with a strong emphasis on undergraduate education, offering a personalized academic experience that often eludes larger universities. While the university offers a broad range of programs, several departments stand out. The College of Business and Global Affairs is a popular choice, providing practical skills and pathways to successful careers. The College of Engineering and Natural Sciences is also a significant draw, with programs like Engineering Technology and Biology offering hands-on learning opportunities. For those interested in education, the College of Education, Health, and Behavioral Sciences is well-regarded. Research opportunities are available, particularly for motivated students who seek out faculty mentorship. Given the public university setting and the size of the student body, the student-faculty ratio is likely conducive to individualized attention, though specific data isn't provided. Faculty are generally accessible, and the university encourages students to engage with them beyond the classroom. The Honors Program provides a challenging academic environment for high-achieving students, offering enriched coursework and opportunities for independent study. Study abroad programs, while perhaps not as extensive as at major research institutions, are available and encouraged to broaden students' perspectives. Academic support services, including tutoring centers and writing labs, are crucial resources for students to ensure academic success, especially given the 53.6% graduation rate, suggesting that proactive support is key.

Financial Aid Guide for The University of Tennessee-Martin

Pell Grant recipients: 34.4%. Students taking federal loans: 30.7%.

Navigating financial aid at UT Martin involves understanding the blend of state, federal, and institutional aid available. As a public university, UT Martin is committed to affordability, especially for Tennessee residents. Merit-based scholarships are a significant component, often awarded automatically based on academic achievements like GPA and ACT scores (though specific score ranges are not provided). These can range from partial tuition waivers to full scholarships, depending on the applicant's profile. Need-based aid, determined by the FAFSA, is also crucial. Students from lower-income households can expect a combination of federal grants (like the Pell Grant, if eligible), state grants, and potentially institutional grants. Work-study opportunities are available, offering students a chance to earn money through part-time campus jobs. For in-state students with an average financial need, a typical aid package might cover a substantial portion of the $10,560 tuition, potentially including grants and scholarships that significantly reduce out-of-pocket costs. Out-of-state students ($16,600 tuition) will likely receive less institutional aid and may need to rely more heavily on merit scholarships and federal loans. Scholarship applications beyond the automatic merit awards are often available through the university's scholarship portal, and students are encouraged to apply for external scholarships as well. Negotiating aid at UT Martin is generally less common than at highly selective private institutions, as aid packages are often formula-driven. However, significant changes in financial circumstances can be communicated to the financial aid office for review.

Hidden Costs at The University of Tennessee-Martin

  • Room and board costs can add an estimated $9,000 - $12,000 annually, depending on the chosen meal plan and housing type.
  • Textbooks and course materials can easily cost $800 - $1,200 per academic year.
  • Mandatory student fees, covering services like technology and campus activities, typically range from $1,000 - $1,500 per year.
  • Transportation costs, including gas, car maintenance, or public transit if available, can add $500 - $1,500 annually.
  • Parking permits for students with vehicles can cost $100 - $300 per semester.
  • Personal expenses such as toiletries, laundry, entertainment, and snacks can amount to $1,000 - $2,000 per year.
  • Health insurance, if not covered by a parent's plan, can add $2,000 - $4,000 annually.

Alumni Outcomes & Career Paths

Graduates from The University of Tennessee-Martin (UT Martin) enter a diverse job market, with many finding opportunities within Tennessee and surrounding states. While specific data on major employers actively recruiting on campus can be limited for smaller regional universities, common hiring sectors for UT Martin alumni include education, healthcare, manufacturing, and state/local government. For instance, alumni often find roles in school districts across West Tennessee, such as the Martin Public School System or the Weakley County School System. Healthcare employers like West Tennessee Healthcare and Baptist Memorial Health Care frequently hire graduates, particularly those from nursing and health sciences programs. Manufacturing firms in the region, including those in the automotive supply chain near Jackson and Memphis, also represent significant employment avenues. UT Martin's Career Services actively works to connect students with internship and job opportunities, often leveraging relationships with local and regional businesses. While a robust national internship pipeline might not be as prominent as at larger research institutions, strong regional connections provide valuable hands-on experience. Graduate school placement rates are respectable, with alumni pursuing advanced degrees in various fields at institutions across the state and beyond. Notable alumni include figures like former NFL player and coach James "Shack" Harris and former Tennessee State Senator Dolores Gresham, showcasing a range of career paths. Geographic hiring patterns show a strong tendency for graduates to remain within a 100-200 mile radius of Martin, particularly in the Memphis and Nashville metropolitan areas, as well as smaller cities in West Tennessee.

Campus Life & Culture at The University of Tennessee-Martin

UT Martin primarily serves students from Tennessee and surrounding Southern states, creating a regional academic hub. The student body is largely composed of traditional-aged undergraduates seeking a supportive, accessible college experience. Students who thrive here are often those who appreciate a close-knit community, value faculty interaction, and are looking for a solid academic foundation without the overwhelming scale of a large university.

The University of Tennessee at Martin (UT Martin) offers a close-knit campus community with a distinctly Southern charm, nestled in the heart of Northwest Tennessee. With a student body of under 5,000, the atmosphere is more intimate than at larger universities, fostering strong connections among students, faculty, and staff. The campus itself is known for its beautiful, traditional aesthetic, featuring classic brick buildings and ample green spaces perfect for studying or socializing. Student life revolves around a variety of organizations, from academic clubs and service groups like Circle K International to special interest groups and the Student Government Association. UT Martin boasts a robust intramural sports program, providing plenty of opportunities for friendly competition and physical activity. While Greek life exists, it's not the dominant force it might be at larger institutions, offering a more balanced social scene. The university's mascot, Skyhawk, is a visible presence at campus events, especially during athletic competitions. The 'Vibe' at UT Martin is often described as friendly, welcoming, and focused on academic success within a supportive environment. Students often find themselves involved in a few key activities, building lasting friendships. Housing options include traditional residence halls on campus, offering a classic college experience, and some apartment-style living. Dining services provide a range of options to fuel students through their busy schedules. Martin, TN, offers a small-town feel, meaning students often find their social lives centered on campus or within the local community, with opportunities for off-campus exploration being more limited but still present.

Campus Highlights

  • The University Commons: A central hub for student life, dining, and academic support services.
  • The Paul Meek Library: A modern facility offering extensive resources and study spaces.
  • The Fine Arts Building: Home to vibrant arts programs and performance venues.
  • The Skyhawk Athletics program: Strong participation in NCAA Division I Ohio Valley Conference.
  • The Discovery Park of America: A nearby world-class museum and educational center that enriches the student experience.
  • The strong sense of community fostered by its smaller size and Southern hospitality.
  • The beautiful, traditional campus architecture with ample green spaces.

Location & Regional Advantages

The University of Tennessee-Martin's location in Martin, TN, offers a distinct set of advantages and challenges for its students. Situated in Northwest Tennessee, Martin provides a lower cost of living compared to major metropolitan areas, making the overall educational investment more accessible. The local job market is primarily driven by agriculture, education, healthcare, and a growing manufacturing sector, particularly in nearby cities like Jackson and Union City. While Martin itself is a smaller community, its proximity to larger economic hubs is a key geographic advantage. Memphis, a major city with a robust logistics, healthcare, and entertainment industry, is approximately a 1.5 to 2-hour drive away. Nashville, the state capital and a burgeoning center for healthcare, technology, and music, is about a 2.5 to 3-hour drive. This proximity allows students to access internships and job opportunities in these larger markets while benefiting from the affordability and close-knit community of Martin. The quality of life in Martin is characterized by a slower pace, strong community ties, and access to outdoor recreational activities. Weather is typical of the Mid-South, with warm summers and mild winters. Safety is generally good, consistent with a smaller college town environment. These factors combine to create an environment where students can focus on their studies with fewer distractions, while still having pathways to significant career opportunities in nearby urban centers.

How to Get Into The University of Tennessee-Martin

Gaining admission to UT Martin is generally accessible, given its 88.2% admission rate, suggesting a focus on providing educational opportunities to a broad range of students. The university does not appear to offer Early Decision or Early Action programs with significant advantages, so a standard application timeline is likely sufficient. The admissions committee primarily values a solid academic record, demonstrated by a good GPA. While specific test score ranges (ACT midpoint is N/A) aren't provided, a competitive score will certainly strengthen an application. The essay is an opportunity to showcase personality, aspirations, and resilience; focus on authentic experiences and how UT Martin aligns with your goals. Demonstrated interest isn't heavily emphasized, but engaging with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can be beneficial. The timeline should involve submitting your application well before the priority deadline to ensure full consideration for scholarships and aid. For students whose academic profiles are on the lower end of the typical range, highlighting extracurricular involvement, leadership roles, and a compelling personal essay can help offset any academic concerns.

How The University of Tennessee-Martin Compares to Similar Schools

Similar schools: University of Memphis, Tennessee Technological University, Austin Peay State University, University of North Alabama

Advantages

  • Lower in-state tuition compared to some larger state universities.
  • More intimate class sizes and a closer-knit campus community.
  • Strong focus on regional workforce needs, leading to relevant local job placement.

Disadvantages

  • Less national brand recognition and alumni network reach.
  • Fewer specialized or cutting-edge research opportunities compared to flagship state universities.
  • Limited access to diverse internship opportunities outside the immediate region.

Best For

  • Students seeking a large campus or extensive research opportunities may find The University of Tennessee-Martin less appealing.
  • Prospective students interested in highly specialized programs may want to explore other institutions with more focused offerings.

Avoid If

  • Students looking for a more urban or diverse campus environment may want to consider other options.
  • Those seeking a higher median salary immediately after graduation might find other institutions more attractive.

Frequently Asked Questions about The University of Tennessee-Martin

How much does it cost to attend The University of Tennessee-Martin?

In-state tuition at The University of Tennessee-Martin is $10,560 per year, and out-of-state tuition is $16,600 per year. The median student debt at graduation is $21,024.

What is the acceptance rate at The University of Tennessee-Martin?

The University of Tennessee-Martin has an acceptance rate of 88.2%.

What is the graduation rate at The University of Tennessee-Martin?

The University of Tennessee-Martin has a graduation rate of 53.6%.

How much do The University of Tennessee-Martin graduates earn?

The median earnings for The University of Tennessee-Martin graduates 10 years after enrollment is $44,213. With median debt of $21,024, graduates earn roughly 2.1x their debt level annually.

How big is The University of Tennessee-Martin?

The University of Tennessee-Martin has approximately 4,866 students and is classified as a medium institution. It is located in Martin, TN and is a Public institution.

Is The University of Tennessee-Martin worth the cost?

The University of Tennessee-Martin has an ROI score of 5 out of 100. With in-state tuition of $10,560 per year and median post-graduation earnings of $44,213, the data suggests the return on investment may be below average.

Where is The University of Tennessee-Martin located?

The University of Tennessee-Martin is located in Martin, TN. It is a Public institution with approximately 4,866 students.

How much student debt do The University of Tennessee-Martin graduates have?

The median student debt for The University of Tennessee-Martin graduates is $21,024. With median earnings of $44,213 ten years after enrollment, graduates can expect a debt-to-income ratio of 48%.

Is The University of Tennessee-Martin a good college?

The University of Tennessee-Martin has a graduation rate of 53.6% and median post-graduation earnings of $44,213. The majority of students are white, with a significant minority of black students.

How does The University of Tennessee-Martin compare to similar colleges?

The university has a high admission rate, suggesting it may be more accessible than some of its peers. Compared to peer institutions, The University of Tennessee-Martin offers a strong balance of affordability and academic support, making it a competitive choice for students seeking a solid education without breaking the bank.

What career prospects do The University of Tennessee-Martin graduates have?

Graduates of The University of Tennessee-Martin are well-positioned for careers in various fields, particularly those that value strong academic preparation and a supportive educational environment.

What should prospective students know about The University of Tennessee-Martin?

The University of Tennessee-Martin is well-placed in the regional market, offering a balance of affordability and quality education that appeals to a wide range of students.

What makes The University of Tennessee-Martin stand out?

Median debt upon graduation is relatively low at $21,024, indicating manageable student loan burdens.

What are the pros and cons of attending The University of Tennessee-Martin?

The university's location in Martin, TN, offers a small-town atmosphere with lower living costs.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.