by our College Data Analytics TeamThis overview lays out the cost of attending Cumberland University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
Use the section links below to navigate this overview:
The full cost of attending Cumberland University stands at about $41,657.00 per year.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $27,840.00 |
| + Room, board & other expenses | $13,817.00 |
| Total cost | $41,657.00 |
| That is 27% above the national average net price. |
| Total cost | $41,657.00 |
| − Grants and scholarships | −$24,599.00 |
| Net price | $17,058.00 |
| That is 48% below the national average net price. |
| Total cost | $41,657.00 |
| − Grants and scholarships | −$25,476.00 |
| Net price | $16,181.00 |
| That is 51% below the national average net price. | |
| Explore each piece on tuition and fees and living costs. |
Cost of attendance here has been rising at a recent average of 3.1% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.1% | 3.1% | 3.1% |
| Freshman year | $16,685.00 | $17,589.00 | $42,954.00 |
| Senior year | $18,293.00 | $19,284.00 | $47,094.00 |
| Total 4-year net price | $69,922.00 | $73,712.00 | $180,011.00 |
| 10-year loan interest @ 6.8% | $26,638.00 | $28,082.00 | $68,578.00 |
| Total monthly payment | $805.00 | $848.00 | $2,072.00 |
| Total amount paid | $96,560.00 | $101,794.00 | $248,589.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.1% | 3.1% | 3.1% |
| Freshman year | $16,685.00 | $17,589.00 | $42,954.00 |
| Senior year | $17,204.00 | $18,137.00 | $44,292.00 |
| Total 2-year net price | $33,889.00 | $35,726.00 | $87,246.00 |
| 10-year loan interest @ 6.8% | $12,911.00 | $13,610.00 | $33,238.00 |
| Total monthly payment | $390.00 | $411.00 | $1,004.00 |
| Total amount paid | $46,800.00 | $49,337.00 | $120,484.00 |
Jump to the net-price detail in the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $18,759.00 |
| Average net price (off-campus) | $18,292.00 |
Net price varies sharply by family income, dropping as need-based aid grows. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $16,827.00 |
| $30,000 to $48,000 | $18,220.00 |
| $48,001 to $75,000 | $17,891.00 |
| $75,001 to $110,000 | $19,155.00 |
| Over $110,000 | $23,937.00 |
Use Cumberland University Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
The median graduating debt at Cumberland University stands at $11,250.00, which the Department of Education classifies as a Low ($10-20k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $5,950.00 |
| Median (50th) | $11,250.00 |
| 75th | $27,000.00 |
| 90th | $31,250.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $11,080.00 |
| Middle income | $11,750.00 |
| High income | $12,000.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $11,752.00 |
| Continuing-generation students | $10,250.00 |
First-generation graduates of Cumberland University take on $1,502.00 more debt than continuing-generation students.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The gap between Pell-eligible and non-Pell median debt at Cumberland University comes to $-750.00.
The federal default-rate tier for Cumberland University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.2% |
To put the rates in context, Stafford loans at Cumberland University total $128,373,264.00 distributed across 6,609 loan recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 32 |
| Avg GI Bill amount | $19,720.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Numbers only tell part of the story. As you weigh Cumberland University, keep these questions in mind:
For a closer look at any of these topics, follow the links below:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.