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Tennessee State’s $43M Bailout Is Your College Planning Wake-Up Call

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Tennessee State’s M Bailout Is Your College Planning Wake-Up Call


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.

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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:

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  • 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.



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Tennessee Fraternal Order of Police says Metro officer acted lawfully when stopping THP trooper

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Tennessee Fraternal Order of Police says Metro officer acted lawfully when stopping THP trooper


NASHVILLE, Tenn. (WKRN) — A routine traffic stop in Nashville became a test of authority after a Metro police officer attempted to pull over a vehicle driven by a Tennessee Highway Patrol trooper.

Newly released body camera video shows the Metro officer initiating the stop after clocking a black SUV traveling 85 miles per hour in a 55 miles per hour zone. Police records indicate the officer followed the vehicle for several miles before it came to a stop.

When the driver exited the SUV, he identified himself as a state trooper. The exchange that followed quickly escalated with both officers asserting authority and disrupting the circumstances of the stop.

The Metro police officer demanded identification and told the trooper he was not free to leave. The trooper responded that he was “the police” and suggested they were preparing to move on.

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The trooper later said he had blue lights activated, indicating they were responding to other business.

The Tennessee Fraternal Order of Police said that flashing blue lights alone do not override a lawful traffic stop.

“He was doing his job,” Tennessee Fraternal Order of Police President Scottie Delashmit said. “The officer was trying to ensure there was no threat to the public.”

The incident drew heightened attention after it was confirmed that Tennessee House Speaker Cameron Sexton was a passenger in the vehicle at the time of the stop.

In a statement to News 2, Sexton criticized the Metro police officer’s conduct, describing it as overzealous and unsafe. He said he does not believe the state trooper violated traffic laws.

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“Any vehicle traveling above a posted speed limit should have emergency lights and sirens operating under Tennessee state law,” DeLashmit said. “Otherwise, you are to adhere to the same traffic laws anyone else does.”

Delashmit said incidents like this highlight the need for clear communication and de-escalation, particularly when multiple law enforcement agencies are involved.

⏩ Read today’s top stories on wkrn.com

“This is an unfortunate situation that could have been avoided if there had been clearer communication and immediate compliance,” he said.

Following the incident, the Metro Nashville Police Department opened an internal investigation after concerns were raised by the House Speaker’s chief of staff. The review examined whether the Metro police officer violated department policy.

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According to MNPD records, the traffic stop was lawful, and the officer acted within policy. Allegations of misconduct were either exonerated or found to be unfounded.



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Construction-related closures suspended for nearly 3 million holiday travelers in TN

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Construction-related closures suspended for nearly 3 million holiday travelers in TN


NASHVILLE, Tenn. (WSMV) – The Tennessee Department of Transportation has announced the suspension of construction-related closures during the holiday travel period.

TDOT says road construction won’t delay travelers for the Christmas and New Year’s holidays.

All lane closure activity on interstates and state highways will be halted as higher traffic volumes are expected statewide.

Survey: Increased costs impacting holiday travel

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“No temporary lane closures will be allowed for construction on Tennessee roadways beginning at 11:59 p.m. Tuesday, December 23, 2025, through 11:59 p.m. on Friday, January 2, 2026,” TDOT said.

The state estimates that 2.8 million Tennesseans will be traveling throughout the holidays.

“Safety is our top priority, and with so many people expected to travel Tennessee roadways during the holidays, we want to keep traffic moving and get everyone to their destinations,” said TDOT Commissioner Will Reid, P.E. ““As always, please wear your seatbelt, reduce your speed, avoid distractions, and move over for emergency vehicles as our HELP Truck drivers will be on patrol.”



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Sold on Cam Ward’s future? Tennessee Titans teammates sure are | Estes

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Sold on Cam Ward’s future? Tennessee Titans teammates sure are | Estes



As rough as this season has been for the Tennessee Titans and a grumpy Cam Ward, a faint glimmer of light is appearing at the end of the tunnel.

It says something important about rookie quarterback Cam Ward that his reputation among veteran Tennessee Titans teammates is that of a grumpy old codger.

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“Don’t be a Grinch today,” defensive star Jeffery Simmons told Ward after the Titans — gasp — won a home football game, beating the Kansas City Chiefs 26-9 on Dec. 21 at Nissan Stadium, improving to 3-12 and getting to enjoy the holidays just a bit more.

Simmons was kidding with Ward. Well, he was kind of kidding.

The last time the Titans won (on Dec. 7 in Cleveland — not that it’s difficult to narrow it down), Ward showed up to his postgame news conference in a sour mood, relatively displeased with how the victory had gone.

On the flight back, Titans defensive end Arden Key reportedly used the plane’s speaker system to joke about Ward’s disposition after the game. We know that because Will Boling, the Titans’ sideline reporter and a host on 104.5-FM, relayed that on the air (which caused the team to subsequently remove him from traveling on the team’s plane).

So that’s the Grinch-iness Simmons was talking about.

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It’s also, however, why Simmons said about Ward a few minutes later: “I keep telling people, that’s the reason why I don’t want to go nowhere. I see the competitive nature. I see the growth as a rookie. I can see where he could take this franchise.”

Ward got this far as a zero-star prep recruit, becoming the No. 1 pick in the NFL draft, because his nature is to never be satisfied, even while winning. This is a strength. So is the fact that he is genuine in his thoughts. Doesn’t sugarcoat. Tells it like it is.

So this Titans season has been an experiment.

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What happens when you take a quarterback like that and have him lose a whole bunch of games right away in the NFL?

You get quotes like “we ass,” which Ward famously said earlier this season after the Titans started 0-for-4. Some older teammates didn’t like hearing that at the time. But he wasn’t wrong, as this season has continued to demonstrate.

Ward’s first NFL head coach, Brian Callahan, was fired after six games this season. The Titans lost six in a row after that (seven in a row total), and five were at Nissan Stadium. It has been humbling, I’d imagine, for a touted rookie quarterback, especially because Ward’s performances have been mixed, if not overall underwhelming.

But as Simmons noted, “Cam hasn’t changed” during all the losses. That’s what teammates have noticed.

Joking aside, Ward has earned the respect of teammates — young and old — behind the scenes because of his fortitude. And of course, his ability.

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“That guy is so talented,” rookie receiver Chimere Dike said of Ward, “but his work ethic is something that I really appreciate. I’m thankful that I’ve been able to grow with him this year, and I can’t wait to continue to build that rapport going forward. Hopefully, we’ll win a lot of games in Nashville.”

Win a lot? Could it be that Ward’s Titans are finally noticing a faint glimmer of light at the end of the tunnel? Perhaps all the struggles are beginning to bear fruit?

For Ward, this was a good weekend. His college team, the Miami Hurricanes, got a gigantic College Football Playoff win at Texas A&M. “I plan on them going out there and beating Ohio State (in the quarterfinals),” Ward chirped.

A day later, the Chiefs game may have been Ward’s best so far in the NFL. He went 21-for-28 for 228 yards with two touchdowns and no interceptions, and while that might not sound too impressive, he led the Titans to three long TD drives and a 9-for-17 clip on third down.

Those eye-opening highlights, the ones that’ve flashed all season, haven’t gone away, either. Against Kansas City, Ward made a laughably absurd throw. Against his body and off his back foot, he found Dike for 30 yards to beat cornerback Kristian Fulton (remember him?).

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“I’ve been better each and every week,” Ward said, “whether it’s one thing or whether it’s a major thing.”

The Titans, as an organization, may not be certain that they have their future quarterback yet. Ward’s journey is ongoing, and it will stay this way through next season. But the arrow keeps tilting slightly more north as this rough season nears a merciful — yet increasingly optimistic — conclusion.

Titans teammates, for what it’s worth, have sounded convinced about Ward for a while.

Teammates who matter.

Do not underestimate the importance of the quote from Simmons. It’s not a given that he’d want to stay with a franchise that’s gone 6-26 the past two seasons and not even sniffed the playoffs. A lot has been asked of Simmons here, and he’d be coveted by every other NFL team.

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If Simmons is insisting he wants to stay amid all this losing, it’s worth paying attention to the reason why.

That reason just won his first home game as an NFL quarterback. And you know what? Cam Ward even seemed happy about this one.

Reach Tennessean sports columnist Gentry Estes at gestes@tennessean.com and hang out with him on Bluesky @gentryestes.bsky.social



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