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
$17K
+
Room
$8K
+
Books
$1,500
=
Sticker Price
$23,079
$17K+$8K+$1,500=$23,079
Your Family Income
Sticker
$23,079
−
Your Aid
$11,439
=
Net Price
$11,640
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)
$23,079
Tuition and Fees
$16,600
Room and Board
$7,544
Books and Supplies
$1,500
Average Financial Aid (Grants and Scholarships)
-$12,378
Average Net Price (What Families Pay)
$10,701
The University Of Tennessee-Martin Net Price by Family Income Level
Family Income
Net Price
$0–30k
$7,151
$30–48k
$8,961
$48–75k
$11,640
$75–110k
$15,343
$110k+
$15,827
Understanding Your Aid Package
The University Of Tennessee-Martin has a sticker price of $23,079 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: $23,079/year
Average aid: $12,378 in grants & scholarships
~$11,640/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$13,218
Debt Manageability
0.44x
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)
$44,213
Earnings Growth
+14%
6 → 10 years post-graduation
Value Added
+$-6,075
32th 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 $23,079 per year. However, after financial aid, the average student pays $11,640—a difference of $11,439.
Families earning under $30,000 pay an average net price of $7,151 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 $15,827 at The—still $7,252 less than the sticker price. Most families qualify for some form of aid.
