Cost Details
- In-State Tuition
- $10,144
- Out-of-State Tuition
- $18,208
- Average Net Price
- $12,817
- Students Receiving Financial Aid
- 32.5%
- Room & Board (On Campus)
- $10,052
- Room & Board (Off Campus)
- $10,052
- Books & Supplies
- $1,400
- Total Cost of Attendance
- $21,596
- Median Debt at Graduation
- $19,500
- Estimated Monthly Loan Payment
- $207/mo
- Loan Repayment Rate
- 57.0%
- Students Taking Federal Loans
- 38.4%
- Pell Grant Recipients
- 32.5%
Net Price by Family Income
Average annual net price after grants and scholarships. Source: U.S. Department of Education
| Family Income | Average Net Price |
|---|---|
| $0 – $30,000 | $8,492 |
| $30,001 – $48,000 | $9,682 |
| $48,001 – $75,000 | $12,478 |
| $75,001 – $110,000 | $17,332 |
| $110,001+ | $16,862 |
Cost Estimator
Cost Overview
Most families pay far less than the $21,596 sticker price at UTC. Students from families earning under $30,000 pay just $8,492 annually after aid. Even middle-class families earning $48,000-$75,000 pay only $12,478 per year. Over four years, that ranges from $34,000 to $50,000 total.
Graduates leave with a median debt of $19,500, requiring monthly payments of $207. That's manageable against median starting earnings of $40,626, improving to $51,151 after a decade. The 57% loan repayment rate suggests most handle their debt successfully. Only 38% of students need federal loans, while 18% receive institutional grants averaging $8,978.
Tennessee residents get the strongest value proposition. They make up 92% of students and qualify for in-state tuition of $10,144. Low-income Tennessee families attend for the cost of room and board alone.
Graduates leave with a median debt of $19,500, requiring monthly payments of $207. That's manageable against median starting earnings of $40,626, improving to $51,151 after a decade. The 57% loan repayment rate suggests most handle their debt successfully. Only 38% of students need federal loans, while 18% receive institutional grants averaging $8,978.
Tennessee residents get the strongest value proposition. They make up 92% of students and qualify for in-state tuition of $10,144. Low-income Tennessee families attend for the cost of room and board alone.
Official Net Price Calculator
Get a personalized cost estimate from The University of Tennessee-Chattanooga:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.