University of The Cumberlands publishes a cost of attendance of $24,654 per year, including $9,875 in tuition, $9,300 for room and board, and no additional charges for books and supplies. However, the average student pays just $11,286 after financial aid, representing savings of $13,368 from the sticker price.
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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) | $24,654 |
| Tuition and Fees | $9,875 |
| Room and Board | $9,300 |
| Books and Supplies | $0 |
| Average Financial Aid (Grants and Scholarships) | -$13,368 |
| Average Net Price (What Families Pay) | $11,286 |
| Family Income | Net Price |
|---|---|
| $0–30k | $4,895 |
| $30–48k | $5,965 |
| $48–75k | $11,476 |
| $75–110k | $17,072 |
| $110k+ | $18,953 |
University of The Cumberlands publishes a cost of attendance of $24,654 per year, including $9,875 in tuition, $9,300 for room and board, and no additional charges for books and supplies. However, the average student pays just $11,286 after financial aid, representing savings of $13,368 from the sticker price. This net price falls $15,857 below the peer median of $27,143, indicating exceptional affordability relative to similar private nonprofit institutions.
The substantial gap between published price and actual cost demonstrates the university's commitment to making education accessible through generous financial aid policies. Net prices vary significantly by family income, ranging from $4,895 for the lowest-income families to $18,953 for the highest-income bracket. This progressive pricing structure ensures that students from diverse economic backgrounds can access University of The Cumberlands education.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
University of The Cumberlands maintains exceptional debt performance, with median student debt of $14,911 ranking at the 86th percentile nationally. This debt level falls $9,270 below the peer median of $24,181, representing substantial borrowing advantages compared to similar institutions.
Student debt ranges from $4,000 at the 25th percentile to $18,644 at the 75th percentile, indicating that most students graduate with manageable debt burdens. The debt-to-earnings ratio of 0.33 demonstrates strong affordability, as debt represents just one-third of first-year post-graduation earnings.
Parent PLUS borrowing remains controlled at a median of $10,000 with monthly payments of $132, avoiding the excessive parent debt that burdens many families. The combination of low student borrowing and controlled parent debt creates favorable conditions for post-graduation financial stability.
How cost compares to graduate earnings and value added.
University of The Cumberlands delivers exceptional return on investment through the combination of earnings beyond expectations and controlled debt levels. The university generates $15,579 in earnings beyond expectations, ranking at the 91.5th percentile nationally, while maintaining debt levels $9,270 below peer institutions.
This creates favorable investment conditions where students achieve strong earnings uplift without excessive borrowing requirements. The debt-to-earnings ratio of 0.33 indicates that debt represents a manageable portion of post-graduation income, supporting long-term financial stability.
Though median earnings of $45,036 fall below peer averages, the substantial earnings beyond expectations demonstrate that graduates achieve better outcomes than their academic and demographic profiles would typically predict. The university's top-25 national performance in earnings uplift, combined with debt performance in the top quartile, creates compelling value for students prioritizing educational return on investment.
University of The Cumberlands demonstrates exceptional commitment to financial accessibility through generous aid policies. With 48.5% of students receiving Pell grants, the university serves substantially more lower-income students than typical private institutions.
The $13,368 average financial aid savings represents a 54.2% reduction from sticker price, indicating comprehensive aid programs. Net prices below $5,000 for the lowest-income families suggest aid packages that cover nearly all educational costs for students with greatest financial need.
The progressive aid structure ensures that students across income levels can access University of The Cumberlands education, with middle-income families paying around the $11,286 average. This aid profile supports the university's mission to serve first-generation and Pell-eligible students while maintaining accessibility for students from various economic backgrounds.
