The University Of Tennessee-Martin Cost & Financial Aid
Affordability Summary
Despite a high sticker price, this school is affordable for many families due to generous need-based aid. Strong support for lower-income students.
Cost Calculator
What You'll Pay at The University Of Tennessee-Martin
Select your family income to see your estimated cost
The Cost Formula
Tuition
$16K
+
Room
$7K
+
Books
$1,500
=
Sticker Price
$21,628
$16K+$7K+$1,500=$21,628
Your Family Income
Sticker
$21,628
−
Your Aid
$9,171
=
Net Price
$12,457
All Income Levels
Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
The University Of Tennessee-Martin Cost of Attendance and Financial Aid Summary
Cost Category
Amount
Total Cost of Attendance (Sticker Price)
$21,628
Tuition and Fees
$16,248
Room and Board
$7,280
Books and Supplies
$1,500
Average Financial Aid (Grants and Scholarships)
-$11,329
Average Net Price (What Families Pay)
$10,299
The University Of Tennessee-Martin Net Price by Family Income Level
Family Income
Net Price
$0–30k
$6,949
$30–48k
$8,583
$48–75k
$12,457
$75–110k
$14,476
$110k+
$15,325
Understanding Your Aid Package
The University Of Tennessee-Martin has a sticker price of $21,628 per year, but most students pay significantly less after financial aid. The actual cost depends heavily on your family's income level.
Key Facts
Sticker price: $21,628/year
Average aid: $11,329 in grants & scholarships
~$12,457/year
Student Debt & Repayment
How much students borrow and whether debt is manageable given outcomes.
Typical Debt
Median Student Debt$21,024
Range (25th–75th)$6,250 – $27,600
Median Parent PLUS Loans$11,550
Debt Manageability
0.48x
Debt-to-Earnings Ratio
Debt is well below typical first-year earnings — generally considered very manageable.
3-Year Default Rate0.0%
Return on Investment
How cost compares to graduate earnings and value added.
Median Earnings (10yr)
$44,213
vs $50,116 peer avg
Earnings Growth
+14%
6 → 10 years post-graduation
Value Added
+$320
60th percentile among peers
Earnings Range (10yr post-graduation)
$30,431
25th %ile
$61,331
75th %ile
Frequently Asked Questions about The University Of Tennessee-Martin Cost & Financial Aid
The University Of Tennessee-Martin's published tuition is $21,628 per year. However, after financial aid, the average student pays $12,457—a difference of $9,171.
Families earning under $30,000 pay an average net price of $6,949 at The University Of Tennessee-Martin. 34% of students receive Pell Grants.
The University Of Tennessee-Martin offers merit-based scholarships for academic achievement, in addition to need-based financial aid. Contact the financial aid office for specific scholarship opportunities.
The median debt for The graduates is $21,024, resulting in estimated monthly payments of $223 over 10 years.
Even families earning over $110,000 pay an average net price of $15,325 at The—still $6,303 less than the sticker price. Most families qualify for some form of aid.
