Undergraduate certificate · Newbern, Tennessee

Is Business Operations Support and Assistant Services at Tennessee College of Applied Technology Northwest worth it?

Low confidence Low confidence: fewer than 40 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: Not enough graduates to report; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $33,235; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: Not enough borrowers to report; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $11k (likely $11k – $11k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: −$4k a year vs high-school graduates aged 25–34 in TN; 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: −$94k (likely −$143k – −$32k); Today's dollars
20-year net return: −$121k (likely −$234k – $6k); Today's dollars
Odds of finishing (school-wide): 69%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26