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Tuition and Cost to Attend UTC

Annual Total Cost

The total list price for in-state Tennessee residents to go to UTC is $9,756 for the 2015/2016 academic year. Out-of-state students who don't possess Tennessee residence can expect a one year cost of $25,874.

Undergraduate Tuition

The University of Tennessee at Chattanooga tuition is $6,624 per year for in-state residents. This is 0% more expensive than the national average public four year tuition of $6,614. The cost is $11,063 and 63% cheaper than the average Tennessee tuition of $17,687 for 4 year colleges. Tuition ranks 5th in Tennessee amongst 4 year colleges for affordability and is the 63rd most expensive 4 year college in the state. If attending from out-of-state, the tuition is $22,742 which represents a 243% premium.

The school charges an additional fees of $1,732 in addition to tuition bringing the total effective in-state tuition to $8,356.

Housing Costs

On campus room and board is provided by the school at a cost of $9,100 per academic year. Students electing to live off campus elsewhere in Chattanooga should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,400.

All price data are reprinted from the U.S. Department of Education's 2015-2016 and 2014-2015 IPEDS Survey and represent reported costs for the 2015-2016 and 2014-2015 academic years.

Costs and Tuition for The University of Tennessee at Chattanooga
Expenditure Price
Tennessee Resident Total Cost $9,756
   In-State Tuition$6,624
   Other Fees$1,732
   Room and Board$9,100
   Books and Supplies$1,400
Non-Resident Total Cost $25,874
   Out-of-State Tuition$22,742
   Other Fees$1,732
   Room and Board$9,100
   Books and Supplies$1,400

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What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $9,756 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported UTC net price for in-state students $12,267* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

95% of The University of Tennessee at Chattanooga students received grant aid in 2014/2015. The average total aid amount was $7,564. 35 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,231. To apply for a Pell Grant to attend The University of Tennessee at Chattanooga, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for The University of Tennessee at Chattanooga
Financial Aid Summary
Average Annual Net Price$12,267*
Percent of Students Receiving Grant Aid95%
Average Total Grant Aid$7,564
Percent of Students Receiving Pell Grants35%
Average Amount of Pell Grant Aid$4,231

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$6,873
$30,001 to $48,000$9,378
$48,001 to $75,000$13,418
$75,001 to $110,000$14,528
$110,000+$14,572

Average Financial Aid Mix - $9,756 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $9,756. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

40%
27%
33%

Grants and Scholarships

 40% - $7,564

Money granted to you by the U.S. Department of Education, The University of Tennessee at Chattanooga or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 27% - $4,997

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 33% -  $6,295

Covered by family savings, work or private student loans which you will have to repay.


*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. The University of Tennessee at Chattanooga
Tennessee Technological University3.3% more expensive
Middle Tennessee State University2.9% less expensive
Southern Polytechnic State University33.3% less expensive
Western Kentucky University43.1% more expensive
University of Montevallo62.1% more expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at The University of Tennessee at Chattanooga.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at UTC is $39,024 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $12,730 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $50,920**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $48,780 or $63,650 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at The University of Tennessee at Chattanooga.

Tennessee Resident Tuition Per Semester$3,312
Tennessee Resident Total Cost Per Semester$4,878
Non-Tennessee Resident Tuition Per Semester$11,371
Non-Tennessee Resident Total Cost Per Semester$12,937

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at The University of Tennessee at Chattanooga are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at The University of Tennessee at Chattanooga
Price per credit hour for Tennessee residents$276
Cost for one class for Tennessee residents (3 credit hours)$828
Price per credit hour for out of state residents$948
Cost for one class for out of state residents (3 credit hours)$2,844
Cost for one class for out of state residents (4 credit hours)$3,792

Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 60% of The University of Tennessee at Chattanooga students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,997. The reported average student debt upon graduation is $21,585.

Example Loan Payments and Costs

How much are student loan payments for The University of Tennessee at Chattanooga? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $50,920, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $62,710.49. This could be your effective total out of pocket cost of an education at The University of Tennessee at Chattanooga. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 95% of students at this school who receive financial aid and you are paying an average annual net price of $12,730. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our The University of Tennessee at Chattanooga student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

The University of Tennessee at Chattanooga Student Loan Payments
Example Payments
Monthly Loan Payment$522.59
Amount Borrowed$50,920.00
Interest Rate4.3%
Term10 years
Number of Monthly Payments120
Total Interest Cost$11,790.49
Sum of All Payments over 10 years$62,710.49

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend UTC? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending The University of Tennessee at Chattanooga, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $62,710.49 would be needed to afford a $522.59 monthly payment in the example $50,920.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to The University of Tennessee at Chattanooga in the future? In the past four years, this school's published in-state tuition and fee total rose from $5,398 to $6,624. This amounts to an average annual price increase of 5.7%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $39,024.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for The University of Tennessee at Chattanooga.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2021$13,417$53,667
Estimated Cost in 10 years for students enrolling in 2026$17,124$68,494
Estimated Cost in 15 years for students enrolling in 2031 $21,855$87,418
Estimated Cost in 18 years for students enrolling in 2034 $25,299$101,197

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at The University of Tennessee at Chattanooga to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Business Administration and Management, General Bachelor's Degree 292 20% cheaper
Kinesiology and Exercise Science Bachelor's Degree 85 29% cheaper
Registered Nursing/Registered Nurse Bachelor's Degree 65 24% cheaper
Biology/Biological Sciences, General Bachelor's Degree 63 32% cheaper
Family and Consumer Sciences/Human Sciences, General Bachelor's Degree 61 15% cheaper
Speech Communication and Rhetoric Bachelor's Degree 60 31% cheaper
Early Childhood Education and Teaching Bachelor's Degree 45 22% cheaper
Art/Art Studies, General Bachelor's Degree 31 30% cheaper
Environmental Science Bachelor's Degree 23 36% cheaper
Legal Assistant/Paralegal Bachelor's Degree 21 10% cheaper
Mechanical Engineering Bachelor's Degree 19 35% cheaper
Junior High/Intermediate/Middle School Education and Teaching Bachelor's Degree 17 20% cheaper
Civil Engineering, General Bachelor's Degree 17 35% cheaper
Social Work Bachelor's Degree 12 24% cheaper
Computer Science Bachelor's Degree 12 34% cheaper
Social Studies Teacher Education Bachelor's Degree 12 27% cheaper
Engineering, General Bachelor's Degree 12 39% cheaper
Electrical and Electronics Engineering Bachelor's Degree 10 35% cheaper
Special Education and Teaching, General Bachelor's Degree 10 23% cheaper
English/Language Arts Teacher Education Bachelor's Degree 10 22% cheaper
Interior Design Bachelor's Degree 9 24% cheaper
Geology/Earth Science, General Bachelor's Degree 9 34% cheaper
Music Teacher Education Bachelor's Degree 7 28% cheaper
History, General Bachelor's Degree 6 33% cheaper
Applied Mathematics, General Bachelor's Degree 6 39% cheaper
Chemical Engineering Bachelor's Degree 5 40% cheaper
Physical Therapy/Therapist Bachelor's Degree 5 33% cheaper
Music, General Bachelor's Degree 4 33% cheaper
Art Teacher Education Bachelor's Degree 3 25% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 3 35% cheaper
Philosophy and Religious Studies, Other Bachelor's Degree 2 32% cheaper
Social Sciences, Other Bachelor's Degree 2 42% cheaper
Psychology, General Bachelor's Degree 2 32% cheaper
Political Science and Government, General Bachelor's Degree 1 34% cheaper
Foreign Languages and Literatures, General Bachelor's Degree 1 31% cheaper
Chemistry, General Bachelor's Degree 1 34% cheaper
Physics, General Bachelor's Degree 1 37% cheaper
Humanities/Humanistic Studies Bachelor's Degree 1 36% cheaper
Criminal Justice/Law Enforcement Administration Bachelor's Degree 1 12% cheaper
Mathematics Teacher Education Bachelor's Degree 1 23% cheaper
Economics, General Bachelor's Degree 1 38% cheaper
Engineering/Industrial Management Bachelor's Degree 1 31% cheaper
Science Teacher Education/General Science Teacher Education Bachelor's Degree 1 20% cheaper
English Language and Literature, General Bachelor's Degree 1 32% cheaper

Calculators

Use the calculators below to formulate a college savings plan for The University of Tennessee at Chattanooga or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford The University of Tennessee at Chattanooga in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a The University of Tennessee at Chattanooga student loan.

Prepayment Option

About The University of Tennessee at Chattanooga

The University of Tennessee at Chattanooga is a four year public college located in Chattanooga, Tennessee.  Full time enrollment is 9,632 and part time is 2,038.  For the 2011/2012 school year, the school received 7,399 applicants. 5,718 were admitted and 2,160 enrolled.

Students attending this school may pursue both undergraduate and graduate degrees.

Address
The University of Tennessee at Chattanooga
615 McCallie Ave
Chattanooga, Tennessee
37403-2598

For Profit / Not For Profit Status

The University of Tennessee at Chattanooga is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

The University of Tennessee at Chattanooga cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=221740 IPEDS survey data.

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