TN | PRIVATE NONPROFIT
Degreeli reads this school through school + degree value, not prestige alone. Start with the Value Score, then expand each program to see cost, salary, payback, and risk.
Overview
Cumberland University looks strongest as a selective value play, with its best program landing at $701,021 in completion-adjusted ROI.
Families should compare the strongest path against weaker options, especially if recoup times stretch well beyond 12.1 years.
4-year net cost
$75,036
Estimated debt
$46,522
Early salary signal
$62,895
Graduation rate
46%
Why this score?
Caution Zone is a Degreeli Value Score v1 directional read based on modeled cost ($75,036), estimated debt ($46,522), early-career salary ($62,895), payback, completion, and review signals. The strongest signal is that cost looks efficient relative to expected early-career pay. The main caution is that completion or outcome confidence needs more scrutiny. Data confidence is medium, so this should support comparison rather than act as a guarantee.
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Completion or outcome confidence needs more scrutiny.
Graduate review signal is limited or modeled.
Programs
MASTERS
Click to inspect salary, debt, payback, strengths, and risks.
63
Caution Zone
Data Confidence
Medium
Completion ROI
$701,021
Salary Outlook
$62,895
Estimated Debt
$46,522
Payback
6.2 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Completion or outcome confidence needs more scrutiny.
Graduate review signal is limited or modeled.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
61
Caution Zone
Data Confidence
Medium
Completion ROI
$685,694
Salary Outlook
$61,584
Estimated Debt
$46,522
Payback
6.3 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Completion or outcome confidence needs more scrutiny.
Graduate review signal is limited or modeled.
MASTERS
Click to inspect salary, debt, payback, strengths, and risks.
47
High Risk
Data Confidence
Medium
Completion ROI
$519,491
Salary Outlook
$47,366
Estimated Debt
$46,522
Payback
8.2 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
47
High Risk
Data Confidence
Medium
Completion ROI
$517,220
Salary Outlook
$47,172
Estimated Debt
$46,522
Payback
8.3 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
MASTERS
Click to inspect salary, debt, payback, strengths, and risks.
41
High Risk
Data Confidence
Medium
Completion ROI
$468,393
Salary Outlook
$42,995
Estimated Debt
$46,522
Payback
9.1 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
MASTERS
Click to inspect salary, debt, payback, strengths, and risks.
40
High Risk
Data Confidence
Medium
Completion ROI
$459,677
Salary Outlook
$42,249
Estimated Debt
$46,522
Payback
9.2 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
36
High Risk
Data Confidence
Medium
Completion ROI
$434,146
Salary Outlook
$40,065
Estimated Debt
$46,522
Payback
9.7 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
36
High Risk
Data Confidence
Medium
Completion ROI
$431,101
Salary Outlook
$39,805
Estimated Debt
$46,522
Payback
9.8 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
ASSOCIATE
Click to inspect salary, debt, payback, strengths, and risks.
30
High Risk
Data Confidence
Medium
Completion ROI
$382,055
Salary Outlook
$35,609
Estimated Debt
$46,522
Payback
11 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
ASSOCIATE
Click to inspect salary, debt, payback, strengths, and risks.
28
High Risk
Data Confidence
Medium
Completion ROI
$360,336
Salary Outlook
$33,751
Estimated Debt
$46,522
Payback
11.6 years
Strengths
Enough directional data exists to compare this option against alternatives.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
ASSOCIATE
Click to inspect salary, debt, payback, strengths, and risks.
28
High Risk
Data Confidence
Medium
Completion ROI
$356,288
Salary Outlook
$33,405
Estimated Debt
$46,522
Payback
11.7 years
Strengths
Enough directional data exists to compare this option against alternatives.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
28
High Risk
Data Confidence
Medium
Completion ROI
$355,248
Salary Outlook
$33,316
Estimated Debt
$46,522
Payback
11.7 years
Strengths
Enough directional data exists to compare this option against alternatives.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
26
High Risk
Data Confidence
Medium
Completion ROI
$342,994
Salary Outlook
$32,268
Estimated Debt
$46,522
Payback
12.1 years
Strengths
Enough directional data exists to compare this option against alternatives.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
Verified reviews
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ROI Snapshot
MASTERS
63
Caution Zone
On-time ROI
$1,537,664
Risk-adjusted ROI
$701,021
Value at risk
$836,643
Payback
6.2 years
BACHELORS
61
Caution Zone
On-time ROI
$1,504,044
Risk-adjusted ROI
$685,694
Value at risk
$818,350
Payback
6.3 years
MASTERS
47
High Risk
On-time ROI
$1,139,484
Risk-adjusted ROI
$519,491
Value at risk
$619,993
Payback
8.2 years
BACHELORS
47
High Risk
On-time ROI
$1,134,504
Risk-adjusted ROI
$517,220
Value at risk
$617,284
Payback
8.3 years
MASTERS
41
High Risk
On-time ROI
$1,027,404
Risk-adjusted ROI
$468,393
Value at risk
$559,011
Payback
9.1 years
MASTERS
40
High Risk
On-time ROI
$1,008,284
Risk-adjusted ROI
$459,677
Value at risk
$548,607
Payback
9.2 years
BACHELORS
36
High Risk
On-time ROI
$952,284
Risk-adjusted ROI
$434,146
Value at risk
$518,138
Payback
9.7 years
BACHELORS
36
High Risk
On-time ROI
$945,604
Risk-adjusted ROI
$431,101
Value at risk
$514,503
Payback
9.8 years
ASSOCIATE
30
High Risk
On-time ROI
$838,024
Risk-adjusted ROI
$382,055
Value at risk
$455,969
Payback
11 years
ASSOCIATE
28
High Risk
On-time ROI
$790,384
Risk-adjusted ROI
$360,336
Value at risk
$430,048
Payback
11.6 years
ASSOCIATE
28
High Risk
On-time ROI
$781,504
Risk-adjusted ROI
$356,288
Value at risk
$425,216
Payback
11.7 years
BACHELORS
28
High Risk
On-time ROI
$779,224
Risk-adjusted ROI
$355,248
Value at risk
$423,976
Payback
11.7 years
BACHELORS
26
High Risk
On-time ROI
$752,344
Risk-adjusted ROI
$342,994
Value at risk
$409,350
Payback
12.1 years
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