KY | 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
University of the Cumberlands looks strongest as a selective value play, with its best program landing at $1,164,223 in completion-adjusted ROI.
Families should compare the strongest path against weaker options, especially if recoup times stretch well beyond 9.9 years.
4-year net cost
$56,428
Estimated debt
$34,985
Early salary signal
$92,236
Graduation rate
50%
Why this score?
Strong Value is a Degreeli Value Score v1 directional read based on modeled cost ($56,428), estimated debt ($34,985), early-career salary ($92,236), 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.
Estimated debt appears manageable relative to salary.
Earnings outlook is strong for a first-decade career path.
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.
85
Strong Value
Data Confidence
Medium
Completion ROI
$1,164,223
Salary Outlook
$92,236
Estimated Debt
$34,985
Payback
3.2 years
Strengths
Cost looks efficient relative to expected early-career pay.
Estimated debt appears manageable relative to salary.
Earnings outlook is strong for a first-decade career path.
Risks
Completion or outcome confidence needs more scrutiny.
Graduate review signal is limited or modeled.
DOCTORAL
Click to inspect salary, debt, payback, strengths, and risks.
79
Fair Value
Data Confidence
Medium
Completion ROI
$960,980
Salary Outlook
$76,518
Estimated Debt
$34,985
Payback
3.8 years
Strengths
Cost looks efficient relative to expected early-career pay.
Estimated debt appears manageable relative to salary.
Earnings outlook is strong for a first-decade career path.
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.
77
Fair Value
Data Confidence
Medium
Completion ROI
$921,473
Salary Outlook
$73,463
Estimated Debt
$34,985
Payback
4 years
Strengths
Cost looks efficient relative to expected early-career pay.
Estimated debt appears manageable relative to salary.
Projected payback timeline is comparatively short.
Risks
Completion or outcome confidence needs more scrutiny.
Graduate review signal is limited or modeled.
DOCTORAL
Click to inspect salary, debt, payback, strengths, and risks.
76
Fair Value
Data Confidence
Medium
Completion ROI
$908,059
Salary Outlook
$72,425
Estimated Debt
$34,985
Payback
4.1 years
Strengths
Cost looks efficient relative to expected early-career pay.
Estimated debt appears manageable relative to salary.
Projected payback timeline is comparatively short.
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.
68
Caution Zone
Data Confidence
Medium
Completion ROI
$742,638
Salary Outlook
$59,633
Estimated Debt
$34,985
Payback
4.9 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.
58
High Risk
Data Confidence
Medium
Completion ROI
$590,340
Salary Outlook
$47,855
Estimated Debt
$34,985
Payback
6.1 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.
57
High Risk
Data Confidence
Medium
Completion ROI
$574,283
Salary Outlook
$46,613
Estimated Debt
$34,985
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.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
57
High Risk
Data Confidence
Medium
Completion ROI
$573,698
Salary Outlook
$46,568
Estimated Debt
$34,985
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.
53
High Risk
Data Confidence
Medium
Completion ROI
$525,003
Salary Outlook
$42,802
Estimated Debt
$34,985
Payback
6.9 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
Graduate review signal is limited or modeled.
MASTERS
Click to inspect salary, debt, payback, strengths, and risks.
51
High Risk
Data Confidence
Medium
Completion ROI
$497,780
Salary Outlook
$40,697
Estimated Debt
$34,985
Payback
7.2 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Payback could take longer than many families expect.
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
$456,882
Salary Outlook
$37,534
Estimated Debt
$34,985
Payback
7.8 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.
MASTERS
Click to inspect salary, debt, payback, strengths, and risks.
46
High Risk
Data Confidence
Medium
Completion ROI
$454,118
Salary Outlook
$37,320
Estimated Debt
$34,985
Payback
7.9 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.
44
High Risk
Data Confidence
Medium
Completion ROI
$433,976
Salary Outlook
$35,762
Estimated Debt
$34,985
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.
44
High Risk
Data Confidence
Medium
Completion ROI
$432,070
Salary Outlook
$35,615
Estimated Debt
$34,985
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.
43
High Risk
Data Confidence
Medium
Completion ROI
$426,029
Salary Outlook
$35,148
Estimated Debt
$34,985
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.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
39
High Risk
Data Confidence
Medium
Completion ROI
$392,987
Salary Outlook
$32,592
Estimated Debt
$34,985
Payback
9 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.
38
High Risk
Data Confidence
Medium
Completion ROI
$382,558
Salary Outlook
$31,786
Estimated Debt
$34,985
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.
38
High Risk
Data Confidence
Medium
Completion ROI
$382,033
Salary Outlook
$31,745
Estimated Debt
$34,985
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.
37
High Risk
Data Confidence
Medium
Completion ROI
$375,921
Salary Outlook
$31,273
Estimated Debt
$34,985
Payback
9.4 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
$367,026
Salary Outlook
$30,585
Estimated Debt
$34,985
Payback
9.6 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.
34
High Risk
Data Confidence
Medium
Completion ROI
$353,026
Salary Outlook
$29,502
Estimated Debt
$34,985
Payback
9.9 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.
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ROI Snapshot
MASTERS
85
Strong Value
On-time ROI
$2,308,592
Risk-adjusted ROI
$1,164,223
Value at risk
$1,144,369
Payback
3.2 years
DOCTORAL
79
Fair Value
On-time ROI
$1,905,572
Risk-adjusted ROI
$960,980
Value at risk
$944,592
Payback
3.8 years
BACHELORS
77
Fair Value
On-time ROI
$1,827,232
Risk-adjusted ROI
$921,473
Value at risk
$905,759
Payback
4 years
DOCTORAL
76
Fair Value
On-time ROI
$1,800,632
Risk-adjusted ROI
$908,059
Value at risk
$892,573
Payback
4.1 years
MASTERS
68
Caution Zone
On-time ROI
$1,472,612
Risk-adjusted ROI
$742,638
Value at risk
$729,974
Payback
4.9 years
MASTERS
58
High Risk
On-time ROI
$1,170,612
Risk-adjusted ROI
$590,340
Value at risk
$580,272
Payback
6.1 years
BACHELORS
57
High Risk
On-time ROI
$1,138,772
Risk-adjusted ROI
$574,283
Value at risk
$564,489
Payback
6.3 years
BACHELORS
57
High Risk
On-time ROI
$1,137,612
Risk-adjusted ROI
$573,698
Value at risk
$563,914
Payback
6.3 years
MASTERS
53
High Risk
On-time ROI
$1,041,052
Risk-adjusted ROI
$525,003
Value at risk
$516,049
Payback
6.9 years
MASTERS
51
High Risk
On-time ROI
$987,072
Risk-adjusted ROI
$497,780
Value at risk
$489,292
Payback
7.2 years
MASTERS
47
High Risk
On-time ROI
$905,972
Risk-adjusted ROI
$456,882
Value at risk
$449,090
Payback
7.8 years
MASTERS
46
High Risk
On-time ROI
$900,492
Risk-adjusted ROI
$454,118
Value at risk
$446,374
Payback
7.9 years
MASTERS
44
High Risk
On-time ROI
$860,552
Risk-adjusted ROI
$433,976
Value at risk
$426,576
Payback
8.2 years
BACHELORS
44
High Risk
On-time ROI
$856,772
Risk-adjusted ROI
$432,070
Value at risk
$424,702
Payback
8.2 years
BACHELORS
43
High Risk
On-time ROI
$844,792
Risk-adjusted ROI
$426,029
Value at risk
$418,763
Payback
8.3 years
BACHELORS
39
High Risk
On-time ROI
$779,272
Risk-adjusted ROI
$392,987
Value at risk
$386,285
Payback
9 years
BACHELORS
38
High Risk
On-time ROI
$758,592
Risk-adjusted ROI
$382,558
Value at risk
$376,034
Payback
9.2 years
BACHELORS
38
High Risk
On-time ROI
$757,552
Risk-adjusted ROI
$382,033
Value at risk
$375,519
Payback
9.2 years
BACHELORS
37
High Risk
On-time ROI
$745,432
Risk-adjusted ROI
$375,921
Value at risk
$369,511
Payback
9.4 years
BACHELORS
36
High Risk
On-time ROI
$727,792
Risk-adjusted ROI
$367,026
Value at risk
$360,766
Payback
9.6 years
BACHELORS
34
High Risk
On-time ROI
$700,032
Risk-adjusted ROI
$353,026
Value at risk
$347,006
Payback
9.9 years
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