Tennessee
Tennessee State’s $43M Bailout Is Your College Planning Wake-Up Call
University sign and building
As someone who’s spent over a decade helping families navigate the complexities of college financial planning, I’ve never seen a situation that better illustrates the changing landscape of higher education than Tennessee State University’s recent $43 million emergency funding package. If you’re a parent saving for your child’s education or a student planning your academic future, this situation offers crucial lessons about college planning in 2024 and beyond
The Wake-Up Call We All Needed
When I first read about Tennessee State’s situation in Higher Ed Dive’s comprehensive coverage, the numbers stopped me in my tracks. The university’s first-year enrollment plummeted from 3,500 students to just 880 – a decline so severe it threatened the institution’s very existence. According to Tennessee’s State Comptroller’s office, this led to the layoff of 114 employees and required emergency intervention to keep the university operating.
But here’s what really caught my attention as a financial advisor: this wasn’t just another COVID story.
Why This Crisis Matters for Your Family
Through my conversations with hundreds of families about college planning, I’ve noticed that most focus primarily on saving enough money. While that’s crucial, Tennessee State’s situation reveals why we need to think more broadly about protecting our educational investments. Here’s what the data tells us:
The Demographic Cliff Is Real
According to Deloitte’s 2024 Higher Education Trends report and verified enrollment data from the National Student Clearinghouse Research Center, we’re approaching a significant demographic cliff. Peak enrollment of traditional college-age students is predicted as soon as 2025. This isn’t just a statistic – it’s a fundamental shift that could affect your child’s college experience and your family’s financial planning.
Financial Warning Signs Matter
The Tennessee State situation revealed several verified red flags that families should watch for when evaluating any university:
- Documentation from state auditors showed the university allocated one-time funds for ongoing student aid without sustainable planning
- Public records confirmed the institution struggled to honor scholarship commitments
- Federal financial reports indicated depleted emergency funds without adequate replacement strategies
Protecting Your Family’s College Investment
Based on my analysis of Tennessee State’s documented challenges and extensive discussions with education finance experts, here’s how to better protect your family’s college investment:
1. Research Financial Health
Don’t just look at the college’s sticker price. Use these verified resources:
2. Create a Backup Plan
In my experience advising families, those who fare best in uncertain situations have multiple contingency plans:
- Research transfer pathways between your chosen school and potential backup institutions
- Consider tuition insurance (typically 1-5% of tuition) to protect against unexpected withdrawals
- Understand your state’s credit transfer guarantees between public institutions
3. Monitor Warning Signs
Stay informed about your chosen institution’s health by tracking:
- Enrollment trends (available through the Common Data Set)
- State funding levels (public records for state institutions)
- News about faculty staffing and program changes
Looking Ahead
When I started my college career, the conversation focused primarily on saving and scholarships. Today, as Tennessee State’s situation demonstrates, we need a more comprehensive approach to protect our educational investments.
The traditional metrics of college selection – rankings, campus amenities, and historical reputation – still matter. However, as confirmed by Deloitte’s research and the experiences of institutions nationwide, families need to prioritize an institution’s financial sustainability and ability to deliver consistent educational value.
One of the nation’s fast-rising 7v7 events made it back to the Atlanta area as The Sevens 7v7 tournament was held at Peachtree Ridge High School over the weekend.
Many of the top organizations across the country registered and entered the tournament such as Hustle INC, C1N, NPA, 24K Cold Hearts, and Fast Houston.
The amount of star power each brand displayed with many of the top athletes from all of the country was insane to fathom.
One of the nation’s coveted 2028 cornerbacks was in attendance as Jermaine Cobbins and NPA showed up on a mission.
NPA earned the number 1 seed during pool play on the first day of the event. The team fell just short of the championship game, but the players went down swinging.
Vols on SI caught up with Cobbins to discuss any recruiting updates, and to shed light on an off-field story that deserves some attention.
Jermaine Cobbins Update
“The recruitment is going great,” Cobbins said.
“You know, a lot of teams are showing love,” Cobbins continued. Alabama, Vanderbilt, and Texas A&M were a few schools mentioned to be showing a lot of love to the Tennessee native.
Cobbins has plans to get on the road once dead period is over.
March 2- Auburn
March 6- USC (potentially)
March 13- Alabama
March 17- Georgia
March 19- Tennessee
March 21- Vanderbilt
As Cobbins is wrapping up his sophomore year and on his way to becoming a junior, the pace will pick up as schools will come on stronger as some will fall back. The talented defender has to check boxes of his on while spending time with each school.
“The main thing I’ll be looking for is probably how much love are they going to be showing, their background (track record), and how the coaches coach,” Cobbins explained.
With a visit to Rocky Top in a few weeks looming, this will be the first time Cobbins has made it to Tennessee since the staff changes on the defense.
Cobbins had a relationship with Coach Michael Hunter Jr., who joined the Volunteers staff for a very short time before taking an opportunity in the NFL.
“Me and the corners coach had a great relationship, he came (to UT) but he left out for the NFL, so kudos to him. Love that for him. I’ve met Coach Poindexter. He’s a great coach,” Cobbins said.
The coaching staff at Tennessee stands out to the Springfield (TN) student-athlete as, “they coach at a high level.” Cobbins would go on to describe how the Vols pulling in great talent truly has an impact because you get to practice against some talented players day in and day out.
Cobbins Gives Back
Cobbins recently had the opportunity to give back to the next generation, and it was no surprise to see this act carried out, so Vols on SI had to ask about this act of kindness before concluding the interview.
“That was very important (to me), you know. It just really made me feel good inside. I always love giving back to the little kids, especially from my hometown,” Cobbins said with a smile.
Cobbins understands the small-town life, and how such a simple gesture can make a huge difference. Talent aside, this is an A+ young man.
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Published on Mar. 4, 2026
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Vanderbilt basketball guard Frankie Collins is leaving the program, head coach Mark Byington announced on Tuesday night. The news comes just days before the Commodores are set to face off against Tennessee in the regular season finale, with the Volunteers looking to clinch a top-four seed and double-bye in the SEC Tournament.
Why it matters
Collins was Vanderbilt’s most highly touted transfer last offseason, but injuries limited him to just nine games this season. His departure leaves the Commodores shorthanded heading into a crucial matchup against their in-state rival Tennessee, who are seeking to complete a regular season sweep.
The details
The 6-foot-1 guard averaged 7.8 points, 4.7 assists and 4.2 rebounds per game this season, but suffered a meniscus injury in December that sidelined him for the majority of the year. With the emergence of sophomore point guard Tyler Tanner and Oklahoma transfer Duke Miles, Collins never quite found his footing in the Vanderbilt lineup.
- Frankie Collins left the Vanderbilt program on Tuesday, March 4, 2026.
- Vanderbilt is scheduled to face Tennessee on Saturday, March 8, 2026.
The players
Frankie Collins
A 6-foot-1 guard who was Vanderbilt’s most highly touted transfer last offseason, coming to Nashville after spending the 2024-25 season at TCU and the three prior years at Arizona State and Michigan.
Mark Byington
The head coach of the Vanderbilt Commodores basketball team.
Tyler Tanner
The sophomore point guard who emerged as a key player for Vanderbilt this season.
Duke Miles
An Oklahoma transfer shooting guard who joined the Vanderbilt roster this season.
Rick Barnes
The head coach of the Tennessee Volunteers basketball team.
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What they’re saying
“Frankie has left Nashville, and he’s not gonna be on the team. It’s gonna be good for both sides of it. We wish him well. So we’ll roll with the guys we got.”
— Mark Byington, Head Coach, Vanderbilt Commodores (rockytopinsider.com)
What’s next
With a victory over Vanderbilt, Tennessee will clinch a top four-seed and a double-bye in next week’s SEC Tournament. Vanderbilt could potentially earn a double-bye themselves with a win and a little extra help.
The takeaway
The loss of Frankie Collins leaves Vanderbilt shorthanded heading into a crucial matchup against in-state rival Tennessee, who are seeking to complete a regular season sweep. The Commodores will have to rely on the emergence of players like Tyler Tanner and Duke Miles to try and pull off the upset and keep their own postseason hopes alive.
Published on Mar. 3, 2026
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According to ESPN’s latest NFL mock draft, three former Tennessee Volunteers players are projected to be selected in the top 60 picks of the upcoming 2026 NFL Draft. Cornerbacks Jermod McCoy and Colton Hood are both projected to be first-round picks, while wide receiver Chris Brazzell II is projected to be a second-round selection.
Why it matters
The strong NFL Draft projections for Tennessee players highlight the continued talent development and success of the Volunteers football program under head coach Josh Heupel. If these projections hold true, it would mark the first time Tennessee has had two first-round picks and three players selected in the top 60 overall during Heupel’s tenure.
The details
Cornerback Jermod McCoy is projected to be selected 29th overall by the Los Angeles Rams, despite not participating in on-field workouts at the NFL Combine due to a previous ACL injury. Teammate Colton Hood is projected to be the final pick of the first round, going 32nd overall to the Seattle Seahawks. Wide receiver Chris Brazzell II impressed at the Combine with a 4.37 40-yard dash and is projected to be a second-round pick, going 60th overall to the Buffalo Bills.
- The NFL Combine was held in late February 2026.
- Tennessee’s Pro Day workouts are scheduled for the end of March 2026.
- The 2026 NFL Draft will take place in April-May 2026.
The players
Jermod McCoy
A cornerback for the Tennessee Volunteers who is projected to be a first-round pick in the 2026 NFL Draft, despite missing the 2025 season due to an ACL injury.
Colton Hood
A cornerback for the Tennessee Volunteers who is projected to be a first-round pick, going 32nd overall to the Seattle Seahawks in the 2026 NFL Draft.
Chris Brazzell II
A wide receiver for the Tennessee Volunteers who impressed at the NFL Combine with a 4.37 40-yard dash and is projected to be a second-round pick in the 2026 NFL Draft.
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What they’re saying
“If we’re going strictly by talent, McCoy is a top-10 prospect in this class. But he hasn’t played a game since 2024, missing all of last season after suffering an ACL tear in January 2025. We’re still not sure where he’s at in his recovery, as he did not participate in testing or drills at the combine. This gives the Rams — who haven’t drafted a corner in the first round since 2006 or before Day 3 since 2019 — the potential to get a steal here. McCoy is an easy mover who has squeaky-clean technique.”
— Jordan Reid, ESPN Analyst (ESPN)
“The reigning champions have a clear need at corner, as Josh Jobe and Riq Woolen are both scheduled to be free agents. Hood is a scheme-versatile player who can thrive in press man while also having the fluidity to excel in zone. A former all-state center fielder in high school, Hood’s ball skills frequently show up on tape (10 pass breakups and an interception last season). With his poised technique and wrap-up-and-finish tackling, he would fit well on the outside of Mike Macdonald’s secondary.”
— Jordan Reid, ESPN Analyst (ESPN)
“The Bills need someone who can separate on the outside, and Brazzell is an ‘X’ receiver who can be a deep vertical threat. He can also sink his weight and run a true route tree, making him a good fit with quarterback Josh Allen.”
— Jordan Reid, ESPN Analyst (ESPN)
What’s next
Tennessee’s Pro Day workouts are scheduled for the end of March 2026, where McCoy plans to participate in on-field drills to further showcase his recovery from the ACL injury. Strong performances at the Pro Day could potentially push McCoy back up draft boards into the top half of the first round.
The takeaway
The strong NFL Draft projections for Tennessee players demonstrate the continued talent development and success of the Volunteers football program under head coach Josh Heupel. If these projections hold true, it would mark a significant milestone for the program, with Tennessee potentially having two first-round picks and three players selected in the top 60 overall for the first time during Heupel’s tenure.
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