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 is well below typical first-year earnings — generally considered very manageable.
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 institution 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. Program outcomes vary by major. Sports, Kinesiology, and Physical Education/Fitness reports 212 graduates and median 4-year earnings of $48,413, ranked #145 nationally in its major. Psychology, General reports 188 graduates and median 4-year earnings of $44,700, ranked #262 nationally in its major. Business Administration, Management and Operations reports 186 graduates and median 4-year earnings of $66,554, ranked #174 nationally in its major. Teacher Education and Professional Development, Specific Levels and Methods reports 146 graduates and median 4-year earnings of $46,029, ranked #155 nationally in its major.
