Bachelor's · Lebanon, Tennessee

Is Psychology, General at Cumberland University 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 10.7 years.

Earnings 1 year after graduating: $37,998; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $45,879; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $17,250; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $68k (likely $68k – $92k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $9k a year vs high-school graduates aged 25–34 in TN; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 10.7 years (likely 5.7–20+); Bump vs net cost plus loan interest
10-year net return: −$168k (likely −$272k – −$57k); Today's dollars
20-year net return: −$40k (likely −$241k – $202k); Today's dollars
Odds of finishing (school-wide): 45%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26