Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • Murfreesboro, TN & Bowling Green, KY
When students choose between Western Kentucky University and Middle Tennessee State University, they're comparing two similar public universities with nearly identical price tags but different career trajectories. Both schools serve broad-access populations in neighboring states, with net prices within $1,683 of each other.
The critical difference emerges in graduate earnings: MTSU alumni earn $4,652 more at the median, representing a 10% premium over WKU outcomes.
Median Student Debt at Graduation
$20,000
federal loans
$22,095
federal loans
Median Parent PLUS Loans
$14,229
borrowed by parents
$18,310
borrowed by parents
Both universities emphasize business programs — WKU with 18% of graduates earning business degrees, MTSU with 16%. WKU's program mix includes 9% Social Sciences and 8% Education, while MTSU balances with 11% Arts programs.
WKU's largest programs include Business Administration (234 graduates), Liberal Arts (221), and Nursing (220). MTSU's top programs feature Interdisciplinary Studies (238), Psychology (221), and Liberal Arts (219).
This similar program composition makes the earnings gap particularly noteworthy.
For students prioritizing long-term earning potential, Middle Tennessee State University delivers meaningfully higher career outcomes for a modest price premium. MTSU graduates earn $4,652 more annually while facing lower monthly payment burdens and reduced total family debt.
WKU offers slight cost savings upfront but results in tighter post-graduation budgets and lower lifetime earnings. The data points to MTSU as the stronger financial value — the extra $1,683/year in college costs translates to $4,652/year in additional career earnings.
Individual program choices and career paths will influence outcomes, but for comparable upfront investments, MTSU provides the better return on investment.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
