by our College Data Analytics TeamHere is what you can expect to pay at University of the Cumberlands, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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The cost of attendance at University of the Cumberlands stands at about $24,654.00 annually.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $9,875.00 |
| + Room, board & other expenses | $14,779.00 |
| Total cost | $24,654.00 |
| That is 25% below the national average net price. |
| Total cost | $24,654.00 |
| − Grants and scholarships | −$11,460.00 |
| Net price | $13,194.00 |
| That is 60% below the national average net price. |
| Total cost | $24,654.00 |
| − Grants and scholarships | −$14,831.00 |
| Net price | $9,823.00 |
| That is 70% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus living costs. |
The projections below extend the current annual cost across a degree. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. 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 | 0% | 0% | 0% |
| Freshman year | $9,823.00 | $13,194.00 | $24,654.00 |
| Senior year | $9,823.00 | $13,194.00 | $24,654.00 |
| Total 4-year net price | $39,292.00 | $52,776.00 | $98,616.00 |
| 10-year loan interest @ 6.8% | $14,969.00 | $20,106.00 | $37,569.00 |
| Total monthly payment | $452.00 | $607.00 | $1,135.00 |
| Total amount paid | $54,261.00 | $72,882.00 | $136,185.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $9,823.00 | $13,194.00 | $24,654.00 |
| Senior year | $9,823.00 | $13,194.00 | $24,654.00 |
| Total 2-year net price | $19,646.00 | $26,388.00 | $49,308.00 |
| 10-year loan interest @ 6.8% | $7,484.00 | $10,053.00 | $18,785.00 |
| Total monthly payment | $226.00 | $304.00 | $567.00 |
| Total amount paid | $27,130.00 | $36,441.00 | $68,093.00 |
| Read more in the Net Price section. |
Net price strips out grant and scholarship aid to show what families really pay. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $14,107.00 |
| Average net price (off-campus) | $11,286.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $4,895.00 |
| $30,000 to $48,000 | $5,965.00 |
| $48,001 to $75,000 | $11,476.00 |
| $75,001 to $110,000 | $17,072.00 |
| Over $110,000 | $18,953.00 |
For a personalized estimate, try the University of the Cumberlands Net Price Calculator, or reach out to the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Median graduate debt at University of the Cumberlands comes to $8,592.00, categorized as a Very Low (<$10k) burden tier.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,180.00 |
| 25th | $4,000.00 |
| Median (50th) | $8,592.00 |
| 75th | $18,644.00 |
| 90th | $27,000.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Debt at graduation is far from uniform across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $7,773.00 |
| Middle income | $9,112.00 |
| High income | $9,500.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $8,432.00 |
| Continuing-generation students | $9,475.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt difference between Pell-eligible and non-Pell graduates of University of the Cumberlands comes to $828.00. Federal data flags this school for Pell-related debt inequity.
The Department of Education default-rate tier for University of the Cumberlands is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.5% |
To put the rates in context, Stafford loans at University of the Cumberlands reach $461,226,548.00 across 22,961 loan recipients.
Veteran and active-military students often access dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 112 |
| Avg GI Bill amount | $2,041.00 |
| DoD Tuition Assistance recipients | 26 |
| Avg DoD Tuition Assistance | $821.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about University of the Cumberlands, consider the following:
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.