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 • Baltimore, MD & Cookeville, TN
When students choose between Morgan State University in Baltimore and Tennessee Technological University in Cookeville, they're comparing two public universities with similar missions but different track records. Both serve broad-access populations at comparable net prices around $14,000-$15,000 per year.
The critical difference isn't cost — it's completion rates. Tennessee Tech graduates 54% of students compared to Morgan State's 42%, a gap that fundamentally changes the value equation for prospective students.
Median Student Debt at Graduation
$27,250
federal loans
$15,650
federal loans
Median Parent PLUS Loans
$22,000
borrowed by parents
$11,640
borrowed by parents
Morgan State is predominantly business-focused, with 20% of graduates earning degrees in business fields, followed by 20% in engineering. Tennessee Tech emphasizes engineering at 19%, followed by 17% business and 11% education.
Morgan State's largest programs include Civil Engineering (97 graduates) and Business Administration (87). Tennessee Tech's top programs are Teacher Education (201 graduates) and Mechanical Engineering (151).
These program concentrations help explain the different career trajectories each institution supports.
For students prioritizing degree completion and financial manageability, Tennessee Technological University delivers better odds at a lower total cost. Morgan State offers slightly higher earnings potential for those who complete, making it the better choice for students confident in their academic preparation and willing to take on higher debt loads.
The data points to Tennessee Tech as the stronger financial value — the combination of a 12 percentage point completion advantage and $22,000 less in total debt outweighs Morgan State's modest earnings edge. If degree completion is uncertain, Tennessee Tech provides the safer path.
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.
