The University of Tennessee-Chattanooga's published cost of attendance is $25,489, but financial aid substantially reshapes that figure across income levels. Low-income families pay approximately $9,876; middle-income families pay around $13,594; higher-income families pay approximately $19,137.
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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) | $25,489 |
| Tuition and Fees | $18,512 |
| Room and Board | $12,604 |
| Books and Supplies | $1,400 |
| Average Financial Aid (Grants and Scholarships) | -$11,224 |
| Average Net Price (What Families Pay) | $14,265 |
| Family Income | Net Price |
|---|---|
| $0–30k | $9,876 |
| $30–48k | $10,919 |
| $48–75k | $13,594 |
| $75–110k | $17,374 |
| $110k+ | $19,137 |
The University of Tennessee-Chattanooga's published cost of attendance is $25,489, but financial aid substantially reshapes that figure across income levels. Low-income families pay approximately $9,876; middle-income families pay around $13,594; higher-income families pay approximately $19,137. Azimuth ranks The University of Tennessee-Chattanooga #266 for post-graduation affordability among nonprofit four-year institutions. Net prices by income band are medians within those bands; individual aid packages vary, so some families in each band pay more and some less than the figures shown. The University of Tennessee-Chattanooga's aid structure combines federal, state, and institutional funding to narrow the gap between sticker price and what families actually pay. Need-based aid is available through the FAFSA, and the university participates in federal Direct Loan and Pell Grant programs alongside state and institutional scholarships. Merit aid is also available for qualifying students, providing additional pathways to reduce net cost. Median federal student loan debt at graduation is $19,500, and families using Parent PLUS borrow a median of $17,353; private or institutional loans may add further borrowing that falls outside these federal-only figures — see the for how household context shapes PLUS decisions. For a graduate at the institution's typical four-year earnings of $57,377, median federal debt of $19,500 projects to a monthly payment of about $220 under standard ten-year repayment. In a downside earnings scenario anchored on lower-earning program clusters, four-year earnings of $44,146 would shift the real affordability picture — a pattern worth exploring at the program level rather than the institutional average. For personalized projections across earnings scenarios — including Parent PLUS planning — use .
How much students borrow and whether debt is manageable given outcomes.
Debt-to-earnings data not available.
How cost compares to graduate earnings and value added.
Graduates of the University of Tennessee-Chattanooga earn median 4-year earnings of $57,377, placing The University of Tennessee-Chattanooga in the 32.1 percentile for median earnings four years after enrollment among nonprofit four-year institutions. Graduates earn about $3,410 less than similar students at comparable institutions, placing The University of Tennessee-Chattanooga in the 43.6 percentile for earnings beyond expectations among nonprofit four-year institutions. Azimuth ranks The University of Tennessee-Chattanooga #900 for return on investment among nonprofit four-year institutions. That earnings figure runs above the $65,228 median at comparable institutions (same control and size band), reflecting a program mix anchored in Business and applied professional fields that connect graduates to regional and national labor markets. The earnings pattern at The University of Tennessee-Chattanooga is shaped by a concentration in Business (21% of graduates), Education (7%), and Engineering (7%). Business Administration anchors the return story, combining substantial cohort scale with strong four-year earnings. The Kinesiology program graduates 212 students with median earnings of $48,413 four years after enrollment, and Azimuth ranks the program #114 for median earnings four years after enrollment among nonprofit four-year institutions . Psychology, General and Business Administration also contribute meaningfully, with 188 and 186 graduates earning $44,700 and $66,554 respectively at the four-year mark. Among the highest-earning programs, Teacher Education and Biology, General post four-year median earnings of $46,029 and $50,597, offering meaningful salary upside for graduates who enter those fields. Relative to TN's no-degree earnings baseline of $31,130, the degree delivers a clear and durable earnings advantage across the institution's major program families.
