Degree Dividend
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Chattanooga State Community College vs Welch College: which has better ROI?

Public, Chattanooga TN · vs · Private nonprofit, Gallatin TN

The verdict

Neither clears its cost on institution-wide earnings, but Welch College comes closer — median earnings $42,198 against a $101,052 total, vs $37,598 at Chattanooga State Community College. (Scorecard, 2026 · our math.)

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Head to head
MeasureChattanooga State Community CollegeWelch College
Net price / yr$5,283$25,263
Total net cost$10,566$101,052
Median earnings, 10 yrs$37,598$42,198
Median debt$10,419$19,500
Payback
20-year net return-$225,806-$224,292

College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.

Which is cheaper, Chattanooga State Community College or Welch College?

Chattanooga State Community College, at $5,283 a year after aid versus $25,263 — a gap of $19,980 a year, or $90,486 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.

Do Chattanooga State Community College or Welch College graduates earn more?

Welch College graduates report a median $42,198 ten years after entry, $4,600 more than the $37,598 at Chattanooga State Community College. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.

Which leaves students with less debt, Chattanooga State Community College or Welch College?

Chattanooga State Community College: its completers carry a median $10,419 in federal loans versus $19,500 at Welch College, a difference of $9,081. The figure counts students who finished; it excludes private loans and anyone who left before graduating.

Which graduates more of its students?

53% of students finish at Welch College, against 26% at Chattanooga State Community College. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.

Chattanooga State Community College vs Welch College: frequently asked questions

Is Chattanooga State Community College or Welch College a better value?
Welch College comes closer, but neither clears its cost on institution-wide earnings — the field you study decides it here more than the school.
Which is cheaper, Chattanooga State Community College or Welch College?
Chattanooga State Community College: $5,283/yr net price after aid versus $25,263/yr at Welch College — a difference of $19,980 a year, or about $90,486 over four years.
Do Chattanooga State Community College or Welch College graduates earn more?
Welch College graduates earn a median $42,198 ten years after entry, versus $37,598 at Chattanooga State Community College — a $4,600 gap. This blends every major, so a specific field can flip it.