Bryan College-Dayton
Dayton, Tennessee · Private Nonprofit
ROI Score: 54/100 · Below Average Value
Data: 2024-25 College Scorecard release
Bryan College-Dayton, a small evangelical Christian college in Tennessee, earns a 54 ROI score in the Below Average Value tier. The headline issue is the net-price-over-tuition gap: tuition is $19,800, but net price is slightly HIGHER at $20,614, meaning fees and indirect costs outpace whatever institutional aid is being awarded. Four-year total runs $82,456. Ten-year median earnings of $54,434 produce a 23.6 percent earnings premium. Median federal debt is moderate at $23,000, debt-to-earnings is 0.582, and payback runs 11.4 years. The standout strength here is repayment: 82.6 percent of borrowers are making principal progress one year out, climbing to 82.6 percent at seven years. Those repayment numbers are excellent and signal that Bryan's graduates take debt seriously and service it well. Pell rate is 26.6 percent, suggesting a moderately affluent evangelical student body. Enrollment is small at 814. Bryan College's mission as a young-earth-creationist Christian college serving evangelical families means the value proposition is heavily about religious community fit, not pure ROI - but the financial structure is at least sustainable for graduates who complete the degree.
Bryan College-Dayton
Quick Numbers
| In-state tuition + fees | $19,800/yr |
| Out-of-state tuition + fees | $19,800/yr |
| Average net price | $20,614/yr |
| Total 4-year cost (net) | $82,456 |
| Median earnings (10yr post-entry) | $54,434 |
| Average earnings (6yr post-entry) | $39,500 |
| Median debt at graduation | $23,000 |
| Estimated monthly loan payment | $244 |
| Estimated payback period | 11.4 years |
| 6-year graduation rate | 49.7% |
| Undergraduate enrollment | 814 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $19,800/year, which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $20,614/year, or roughly $82,456 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $19,500/year here, while families earning over $110,000 pay $21,035/year.
Among graduates who borrowed, the median federal loan debt from this school is $23,000, which works out to about $244 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($39,500) and comes to 0.58, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $19,500 |
| $30,001 - $48,000 | $19,904 |
| $48,001 - $75,000 | $21,807 |
| $75,001 - $110,000 | $20,655 |
| $110,001+ | $21,035 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families under $30,000 pay $19,500 per year net, about $78,000 over four. Pell plus Tennessee Promise (if eligible) covers some of this, but Pell-only typically leaves $12K+ per year requiring Direct loan borrowing. Note the very flat income progression at Bryan - all brackets from $0-30K through $110K+ pay between $19,500 and $21,807, an exceptionally narrow band suggesting institutional aid is essentially uniform rather than need-based.
Middle-income families ($30K-$110K)
Households at $48,001 to $75,000 pay $21,807 - actually the HIGHEST of any bracket reported. The next bracket ($75,001-$110,000) actually drops to $20,655. This inverted middle pattern is unusual and may reflect TN Hope Scholarship eligibility cliffs or other state-aid phase-outs hitting middle-income families hardest.
Higher-income families ($110K+)
Households above $110,000 pay $21,035 per year, about $84,100 over four. Essentially flat with other brackets. Affluent families get no meaningful institutional discount at Bryan, suggesting the school's aid model is uniform-discount-from-sticker rather than progressive. Total cost runs close to sticker for everyone.
Earnings by Major
Top 5 most popular majors at Bryan College-Dayton with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration, Management, and Operations | $64,283 | C+ |
| Teacher Education, Subject-Specific | $43,654 | - |
| Kinesiology and Exercise Science | $44,431 | D |
| Psychology | $47,549 | C+ |
| Communication and Media Studies | $32,530 | - |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Business Administration, Management, and Operations
Business Administration is the largest reported program with 27 graduates. One-year earnings of $52,528 climb to $64,283 by year four, against $27,000 median debt - a 0.514 ratio and C+ grade. Chattanooga and East Tennessee small-business and corporate hiring absorb this pipeline.
Teacher Education, Subject-Specific
Teacher Education produces 19 graduates with four-year earnings of $43,654. Debt is not reported. East Tennessee public-school districts and Christian K-12 schools (Chattanooga Christian, McCallie, etc.) hire from this pipeline.
Kinesiology and Exercise Science
Kinesiology graduates 18 students with one-year earnings of $27,342 climbing to $44,431 by year four, against $26,077 debt - 0.954 ratio and D grade. Standard kinesiology trajectory - graduate-school continuation in PT, OT, or PA is the pathway to professional pay; without that, graduates land in coaching or fitness roles at modest wages. Plan for the longer pathway.
Psychology
Psychology produces 15 graduates with four-year earnings of $47,549 against $23,880 debt - 0.502 ratio and C+ grade. Standard psych BA outcome with reasonably controlled debt. Most graduates pursuing professional psychology work continue to masters or PhD programs in clinical or counseling psychology; the bachelor's is a foundation, not a terminal credential.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 82.6% | 68.8% |
| 3-year repayment | 84.6% | 73.6% |
| 5-year repayment | 75.0% | 67.7% |
| 7-year repayment | 82.6% | 72.8% |
Completion Rate
Trends Over Time
How Bryan College-Dayton’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Enrollment | 814 |
| Pell Grant recipients | 26.6% |
| Avg faculty salary (monthly) | $5,751 |
Admission rate is not reported in current Scorecard data, and no SAT or ACT mid-ranges are reported. Bryan College uses faith-statement-aligned admissions alongside academics; mission fit drives much of who applies. As a small evangelical college, selectivity is low for academically qualified applicants who can demonstrate faith alignment. The 49.7 percent completion rate reflects a mix of academic preparation and financial challenges across the student body.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Bryan College-Dayton (this school) | 54 | $20,614 | $54,434 |
| Pacific Union College | 57 | $41,008 | $70,484 |
| Andrews University | 56 | $12,547 | $53,187 |
| Eastern Mennonite University | 53 | $24,588 | $54,869 |
| Union University | 52 | $27,171 | $53,990 |
| Trevecca Nazarene University | 51 | $16,813 | $49,378 |
Who Thrives Here
Bryan College fits evangelical Christian students - particularly from young-earth-creationist families - seeking a small Bible-grounded liberal-arts community in rural East Tennessee. Enrollment of 814 keeps cohorts intimate; the 26.6 percent Pell rate indicates a moderately affluent enrolled population. Strongest outcomes are concentrated in business ($52K one-year, $64K four-year).
The Verdict: Proceed With Caution
The money case for Bryan College-Dayton is mixed, and worth a hard look before you commit. At $20,614 per year after aid, the typical graduate earns $54,434 ten years after entry, which means it takes about 11.4 years to earn the cost back. For context, the median payback across the schools we score is about 12 years. Whether it's worth it comes down to your major and your aid package.
What it has going for it: high loan repayment success. What to keep an eye on: its 49.7% graduation rate.
Median debt of $23,000 among graduates who borrowed, against average earnings of $39,500 six years after entry, gives a debt-to-earnings ratio of 0.58, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
Bryan College-Dayton: Common Questions
Is Bryan College-Dayton worth it?
In our view, the money case is mixed and worth a hard look before you commit. Bryan College-Dayton scores 54/100 on our ROI scale. At $20,614 a year after aid the typical graduate earns $54,434 ten years after entry, so it takes about 11.4 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does Bryan College-Dayton cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $20,614 a year, or roughly $82,456 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Bryan College-Dayton graduates earn?
The typical graduate earns about $54,434 ten years after enrolling, roughly $12,634 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Bryan College-Dayton?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 11.4 years for Bryan College-Dayton. The median across the schools we track is about 12 years.
How much debt do Bryan College-Dayton graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $23,000, against average earnings of $39,500 six years after entry - a debt-to-earnings ratio of 0.58. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at Bryan College-Dayton?
The six-year graduation rate is 49.7%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.