Cumberland University's published cost of attendance reaches $41,657 annually, including $27,840 in tuition, $10,360 for room and board, and $1,200 for books and supplies. However, the average student pays significantly less after financial aid.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $43,358 |
| Tuition and Fees | $27,840 |
| Room and Board | $12,800 |
| Books and Supplies | $1,200 |
| Average Financial Aid (Grants and Scholarships) | -$24,599 |
| Average Net Price (What Families Pay) | $18,759 |
| Family Income | Net Price |
|---|---|
| $0–30k | $17,882 |
| $30–48k | $18,048 |
| $48–75k | $19,609 |
| $75–110k | $20,333 |
| $110k+ | $20,917 |
Cumberland University's published cost of attendance reaches $41,657 annually, including $27,840 in tuition, $10,360 for room and board, and $1,200 for books and supplies. However, the average student pays significantly less after financial aid. The average net price of $18,292 represents substantial savings of $23,365 from the sticker price, indicating comprehensive financial aid programming. The net price of $18,292 falls $8,851 below the peer median of $27,143, making Cumberland University more affordable than similar institutions.
This affordability advantage extends across income levels, with the institution offering particularly strong value for middle and lower-income families. The substantial gap between published costs and actual net prices demonstrates Cumberland University's commitment to making education accessible through financial aid, though families should understand that aid packages vary significantly based on individual circumstances and financial need.
Cumberland University demonstrates strong commitment to financial accessibility through comprehensive aid programming. The average financial aid savings of $23,365 reduces costs by 56% from the published sticker price.
The institution enrolls 32.5% Pell-eligible students, indicating substantial support for lower-income populations, though this share falls below levels seen at more access-focused institutions. The progressive net price structure shows targeted aid effectiveness, with lowest-income families paying $7,110 less than highest-income families. Net prices below peer medians across income levels indicate Cumberland University competes aggressively on affordability.
The combination of moderate Pell enrollment and strong net price advantages suggests the institution balances accessibility with financial sustainability, making education attainable for diverse economic backgrounds while maintaining institutional resources.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Cumberland University graduates carry median debt of $17,952, well below the peer median of $24,181—a difference of $6,229 that creates meaningful advantages for financial sustainability. Student debt ranges from $5,950 at the 25th percentile to $27,000 at the 75th percentile, indicating variation based on individual financial circumstances and aid packages. The debt-to-earnings ratio of 0.31 indicates manageable borrowing levels relative to post-graduation income.
With median earnings of $57,687, graduates typically earn nearly three times their debt level, supporting reasonable repayment timelines. Parent PLUS loans show a median of $10,582 with monthly payments around $139, representing additional family borrowing beyond student debt levels.
How cost compares to graduate earnings and value added.
Cumberland University delivers strong return on educational investment through exceptional value-added performance. Graduates earn $21,503 beyond expectations, ranking at the 94.9th percentile nationally for earnings uplift relative to student backgrounds.
This top-tier performance indicates the institution creates substantial economic value that exceeds typical outcomes for similar students. The combination of controlled costs ($18,292 net price vs $27,143 peer median) and controlled debt ($17,952 vs $24,181 peer median) alongside strong value-added earnings creates favorable investment conditions. The institution ranks at the 88th percentile for overall return on investment, reflecting the positive relationship between educational costs and career outcomes.
Cumberland University's investment profile particularly benefits students whose backgrounds might not predict high earnings at other institutions, making it an especially attractive option for first-generation and lower-income students seeking economic advancement.
The combination of below-peer debt levels and adequate earnings creates favorable conditions for loan repayment and long-term financial health.
