Cost Details
- In-State Tuition
- $9,875
- Out-of-State Tuition
- $9,875
- Average Net Price
- $11,286
- Students Receiving Financial Aid
- 48.5%
- Room & Board (On Campus)
- $9,300
- Room & Board (Off Campus)
- $12,285
- Books & Supplies
- $0
- Total Cost of Attendance
- $19,175
- Median Debt at Graduation
- $14,911
- Estimated Monthly Loan Payment
- $158/mo
- Loan Repayment Rate
- 52.6%
- Students Taking Federal Loans
- 69.2%
- Pell Grant Recipients
- 48.5%
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 | $4,895 |
| $30,001 – $48,000 | $5,965 |
| $48,001 – $75,000 | $11,476 |
| $75,001 – $110,000 | $17,072 |
| $110,001+ | $18,953 |
Cost Estimator
Cost Overview
Families earning under $30,000 pay just $4,895 annually at University of the Cumberlands, while those making over $110,000 face costs of $18,953. The Baptist university keeps expenses manageable through its mission-driven approach. Over four years, low-income students invest around $19,580 total, compared to $75,812 for wealthier families.
Nearly half of students receive Pell Grants, reflecting the school's commitment to serving working-class Appalachian communities. Graduates carry a median debt of $14,911, translating to monthly payments of $158. With median earnings of $45,036 ten years after graduation, loan payments consume about 4% of income. The 96.6% employment rate demonstrates strong job placement despite the rural setting.
First-generation college students from low-income families get the strongest value proposition here. The combination of affordable tuition, substantial need-based aid, and solid career outcomes makes this Christian university particularly accessible to Kentucky's underserved populations.
Nearly half of students receive Pell Grants, reflecting the school's commitment to serving working-class Appalachian communities. Graduates carry a median debt of $14,911, translating to monthly payments of $158. With median earnings of $45,036 ten years after graduation, loan payments consume about 4% of income. The 96.6% employment rate demonstrates strong job placement despite the rural setting.
First-generation college students from low-income families get the strongest value proposition here. The combination of affordable tuition, substantial need-based aid, and solid career outcomes makes this Christian university particularly accessible to Kentucky's underserved populations.
Official Net Price Calculator
Get a personalized cost estimate from University of the Cumberlands:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.