by our College Data Analytics TeamThis overview lays out the cost of attending The University of Tennessee-Martin, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
If you want to dig into a particular figure, jump to any section below:
The total cost of attendance at The University of Tennessee-Martin ranged from $21,628.00 ranging to $27,668.00 across residency tiers.
Where you live mattered — in-state students paid less than out-of-state students: about $21,628.00 for in-state students versus $27,668.00 for those paying out-of-state rates.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $10,560.00 |
| + Room, board & other expenses | $11,068.00 |
| Total cost | $21,628.00 |
| That is 12% above the national average net price. |
| Total cost | $21,628.00 |
| − Grants and scholarships | −$12,378.00 |
| Net price | $9,250.00 |
| That is 52% below the national average net price. |
| Total cost | $21,628.00 |
| − Grants and scholarships | −$15,928.00 |
| Net price | $5,700.00 |
| That is 70% below the national average net price. |
| Tuition and fees | $16,600.00 |
| + Room, board & other expenses | $11,068.00 |
| Total cost | $27,668.00 |
| That is 44% above the national average net price. |
| Total cost | $27,668.00 |
| − Grants and scholarships | −$12,378.00 |
| Net price | $15,290.00 |
| That is 21% below the national average net price. |
| Total cost | $27,668.00 |
| − Grants and scholarships | −$15,928.00 |
| Net price | $11,740.00 |
| That is 39% below the national average net price. | |
| Explore each piece on the tuition & fees page plus living costs. |
Cost of attendance here has been rising at a recent average of 1.3% per year; the projections below compound that across a degree. 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 | 1.3% | 1.3% | 1.3% |
| Freshman year | $5,776.00 | $9,374.00 | $21,918.00 |
| Senior year | $6,012.00 | $9,756.00 | $22,811.00 |
| Total 4-year net price | $23,574.00 | $38,257.00 | $89,451.00 |
| 10-year loan interest @ 6.8% | $8,981.00 | $14,574.00 | $34,078.00 |
| Total monthly payment | $271.00 | $440.00 | $1,029.00 |
| Total amount paid | $32,556.00 | $52,831.00 | $123,528.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.3% | 1.3% | 1.3% |
| Freshman year | $5,776.00 | $9,374.00 | $21,918.00 |
| Senior year | $5,854.00 | $9,500.00 | $22,212.00 |
| Total 2-year net price | $11,630.00 | $18,874.00 | $44,130.00 |
| 10-year loan interest @ 6.8% | $4,431.00 | $7,190.00 | $16,812.00 |
| Total monthly payment | $134.00 | $217.00 | $508.00 |
| Total amount paid | $16,061.00 | $26,064.00 | $60,942.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.3% | 1.3% | 1.3% |
| Freshman year | $11,897.00 | $15,495.00 | $28,039.00 |
| Senior year | $12,382.00 | $16,127.00 | $29,182.00 |
| Total 4-year net price | $48,555.00 | $63,238.00 | $114,431.00 |
| 10-year loan interest @ 6.8% | $18,498.00 | $24,091.00 | $43,594.00 |
| Total monthly payment | $559.00 | $728.00 | $1,317.00 |
| Total amount paid | $67,053.00 | $87,329.00 | $158,026.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.3% | 1.3% | 1.3% |
| Freshman year | $11,897.00 | $15,495.00 | $28,039.00 |
| Senior year | $12,057.00 | $15,703.00 | $28,415.00 |
| Total 2-year net price | $23,954.00 | $31,198.00 | $56,454.00 |
| 10-year loan interest @ 6.8% | $9,126.00 | $11,885.00 | $21,507.00 |
| Total monthly payment | $276.00 | $359.00 | $650.00 |
| Total amount paid | $33,080.00 | $43,083.00 | $77,961.00 |
For the complete net-price picture, see the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. 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) | $10,701.00 |
| Average net price (off-campus) | $10,299.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $6,949.00 |
| $30,000 to $48,000 | $8,583.00 |
| $48,001 to $75,000 | $12,457.00 |
| $75,001 to $110,000 | $14,476.00 |
| Over $110,000 | $15,325.00 |
Use The University of Tennessee-Martin Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
Typical debt at graduation from The University of Tennessee-Martin works out to $12,981.00, categorized as a Low ($10-20k) debt-load classification.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $6,250.00 |
| Median (50th) | $12,981.00 |
| 75th | $27,600.00 |
| 90th | $38,890.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,687.00 |
| Middle income | $13,510.00 |
| High income | $12,766.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,000.00 |
| Continuing-generation students | $12,569.00 |
First-generation graduates from The University of Tennessee-Martin carry $431.00 in extra median debt compared with continuing-generation peers.
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 Pell vs non-Pell debt gap at The University of Tennessee-Martin stands at $2,000.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for The University of Tennessee-Martin is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 10.1% |
To put the rates in context, Stafford loans at The University of Tennessee-Martin amount to $478,102,036.00 across 23,139 disbursements.
Veteran and active-military students often access dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 89 |
| Avg GI Bill amount | $9,216.00 |
| DoD Tuition Assistance recipients | 29 |
| Avg DoD Tuition Assistance | $3,732.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
The figures above are a starting point — as you weigh The University of Tennessee-Martin, keep these questions in mind:
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.