CollegeCostWise

Doctoral · Williamsburg, Kentucky

Is Clinical, Counseling and Applied Psychology at University of the Cumberlands worth it?

Medium confidence Medium confidence: 40–99 graduates behind the earnings figures.

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

Pays back fast: graduates typically recover the cost in about 2.3 years.

Earnings 1 year after graduating
$92,701
Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating
Not enough graduates to report
Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation
$45,684
NSLDS pooled AY2022-23, AY2023-24 cohort
Typical borrowing (no graduate net price is published)
$48k (likely $48k – $48k)
AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4
$39k a year vs bachelor's graduates 4 years out in KY
2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback
2.3 years (likely 1.7–3.3)
Bump vs net cost plus loan interest
10-year net return
$13k (likely −$128k – $148k)
Today's dollars
20-year net return
$436k (likely $157k – $716k)
Today's dollars

Change income, residency or loans Compare Clinical, Counseling and Applied Psychology at other schools

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

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