Master's · Williamsburg, Kentucky

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

High confidence High confidence: 100+ graduates behind the earnings figures.

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

Graduates typically don't earn back the cost within 20 years, compared with the no-degree baseline.

Earnings 1 year after graduating: $53,240; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $58,941; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $45,305; 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: $2k a year vs bachelor's graduates 4 years out in KY; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: Not within 20 years in most scenarios; Bump vs net cost plus loan interest
10-year net return: −$184k (likely −$226k – −$145k); Today's dollars
20-year net return: −$131k (likely −$225k – −$34k); Today's dollars
Borrowers making progress / in default, 2 years in: ≤ 20% / ≤ 20%; NSLDS AY2016-17, AY2017-18 pooled cohorts measured in 2018-19, 2019-20

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