by our College Data Analytics TeamHere is what you can expect to pay at The University of Tennessee-Chattanooga, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
Use the section links below to navigate this overview:
The full cost of attending The University of Tennessee-Chattanooga came in between $23,563.00 and up to $31,627.00 based on in-state versus out-of-state status.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: roughly $23,563.00 in-state versus $31,627.00 for non-residents.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $10,448.00 |
| + Room, board & other expenses | $13,115.00 |
| Total cost | $23,563.00 |
| That is 22% above the national average net price. |
| Total cost | $23,563.00 |
| − Grants and scholarships | −$11,224.00 |
| Net price | $12,339.00 |
| That is 36% below the national average net price. |
| Total cost | $23,563.00 |
| − Grants and scholarships | −$15,613.00 |
| Net price | $7,950.00 |
| That is 59% below the national average net price. |
| Tuition and fees | $18,512.00 |
| + Room, board & other expenses | $13,115.00 |
| Total cost | $31,627.00 |
| That is 64% above the national average net price. |
| Total cost | $31,627.00 |
| − Grants and scholarships | −$11,224.00 |
| Net price | $20,403.00 |
| That is 6% above the national average net price. |
| Total cost | $31,627.00 |
| − Grants and scholarships | −$15,613.00 |
| Net price | $16,014.00 |
| That is 17% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus living costs. |
The tables below project a full degree at the current published cost. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $7,950.00 | $12,339.00 | $23,563.00 |
| Senior year | $7,950.00 | $12,339.00 | $23,563.00 |
| Total 4-year net price | $31,800.00 | $49,356.00 | $94,252.00 |
| 10-year loan interest @ 6.8% | $12,115.00 | $18,803.00 | $35,907.00 |
| Total monthly payment | $366.00 | $568.00 | $1,085.00 |
| Total amount paid | $43,915.00 | $68,159.00 | $130,159.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $7,950.00 | $12,339.00 | $23,563.00 |
| Senior year | $7,950.00 | $12,339.00 | $23,563.00 |
| Total 2-year net price | $15,900.00 | $24,678.00 | $47,126.00 |
| 10-year loan interest @ 6.8% | $6,057.00 | $9,401.00 | $17,953.00 |
| Total monthly payment | $183.00 | $284.00 | $542.00 |
| Total amount paid | $21,957.00 | $34,079.00 | $65,079.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $16,014.00 | $20,403.00 | $31,627.00 |
| Senior year | $16,014.00 | $20,403.00 | $31,627.00 |
| Total 4-year net price | $64,056.00 | $81,612.00 | $126,508.00 |
| 10-year loan interest @ 6.8% | $24,403.00 | $31,091.00 | $48,195.00 |
| Total monthly payment | $737.00 | $939.00 | $1,456.00 |
| Total amount paid | $88,459.00 | $112,703.00 | $174,703.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $16,014.00 | $20,403.00 | $31,627.00 |
| Senior year | $16,014.00 | $20,403.00 | $31,627.00 |
| Total 2-year net price | $32,028.00 | $40,806.00 | $63,254.00 |
| 10-year loan interest @ 6.8% | $12,202.00 | $15,546.00 | $24,097.00 |
| Total monthly payment | $369.00 | $470.00 | $728.00 |
| Total amount paid | $44,230.00 | $56,352.00 | $87,351.00 |
| Jump to the net-price detail in the net price section below. |
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $14,265.00 |
| Average net price (off-campus) | $12,817.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $8,492.00 |
| $30,000 to $48,000 | $9,682.00 |
| $48,001 to $75,000 | $12,478.00 |
| $75,001 to $110,000 | $17,332.00 |
| Over $110,000 | $16,862.00 |
Estimate your specific net price using the school’s The University of Tennessee-Chattanooga Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
The typical debt load for borrowers leaving The University of Tennessee-Chattanooga stands at $12,000.00, which the Department of Education classifies as a Low ($10-20k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,900.00 |
| 25th | $5,500.00 |
| Median (50th) | $12,000.00 |
| 75th | $24,250.00 |
| 90th | $31,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Dig deeper into debt on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $11,750.00 |
| High income | $12,000.00 |
Borrowers from lower-income families leave school with $500.00 more debt than their high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,013.00 |
| Continuing-generation students | $12,000.00 |
First-generation borrowers from The University of Tennessee-Chattanooga hold $13.00 more than continuing-generation graduates.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt gap between Pell and non-Pell graduates of The University of Tennessee-Chattanooga stands at $2,482.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate category at The University of Tennessee-Chattanooga is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.4% |
To put the rates in context, Stafford loans at The University of Tennessee-Chattanooga add up to $634,342,706.00 across 33,549 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 232 |
| Avg GI Bill amount | $8,551.00 |
| DoD Tuition Assistance recipients | 3 |
| Avg DoD Tuition Assistance | $2,750.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing The University of Tennessee-Chattanooga, a few questions are worth asking:
Use the pages below to go deeper on a specific part of the cost story:
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.