Tuition for University of the Cumberlands is $22,640 for the 2018/2019 academic year. This is 20% cheaper than the national average private non-profit four year college tuition of $28,471. The cost is 26% more expensive than the average Kentucky tuition of $17,935 for 4 year colleges. Tuition ranks 32nd in Kentucky amongst 4 year colleges for affordability and is the 13th most expensive 4 year college in the state. Price does not vary by residence.
The school charges an additional fees of $360 in addition to tuition bringing the total effective in-state tuition to $23,000.
On campus room and board is provided by the school at a cost of $9,000 per academic year. Students electing to live off campus elsewhere in Williamsburg should budget at least this amount.
The estimated annual cost for books and supplies is $1,400.
If living on-campus, students should budget for $5,000 in additional living expenses. Off-campus students should budget for $5,500 in other miscellaneous living expenses.
The annual tuition and living expense budget to go to Cumberland College was $38,400 for the 2018/2019 academic year. The cost is the same for all students regardless of Kentucky residence status as there is no in-state discount.
Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for University of the Cumberlands and represent reported costs for the 2016-2017 and 2015-2016 academic years.
|Kentucky Resident Total Budget||$38,400|
|Room and Board||$9,000|
|On-Campus Other Budget||$5,000|
|Books and Supplies||$1,400|
|Non-Resident Total Budget||$38,400|
|Room and Board||$9,000|
|On-Campus Other Budget||$5,000|
|Books and Supplies||$1,400|
Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $38,400 published price if scholarship or grant aid is made available to you.
The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported Cumberland College net price for in-state students is $16,877* for the 2014/2015 academic year. This net price includes housing and meal expenses.
100% of University of the Cumberlands students received grant aid in 2014/2015. The average total aid amount was $16,245. 59 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 $4,141. To apply for a Pell Grant to attend University of the Cumberlands, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).
|Financial Aid Summary|
|Average Annual Net Price||$16,877*|
|Percent of Students Receiving Grant Aid||100%|
|Average Total Grant Aid||$16,245|
|Percent of Students Receiving Pell Grants||59%|
|Average Amount of Pell Grant Aid||$4,141|
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||$15,327|
|$30,001 to $48,000||$16,069|
|$48,001 to $75,000||$16,457|
|$75,001 to $110,000||$19,536|
CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $38,400. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.
Money granted to you by the U.S. Department of Education, University of the Cumberlands or other organizations. These are not loans and do not need to be repaid.
Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.
Covered by family savings, work or private student loans which you will have to repay.
*Reported Average Annual Net Price for 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.
|School||Cost vs. University of the Cumberlands|
|Kentucky Mountain Bible College||68.9% less expensive|
|Midway College||4.7% more expensive|
|Cumberland University||8.3% less expensive|
|Young Harris College||23.7% more expensive|
|College of Mount St. Joseph||24.1% more expensive|
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 University of the Cumberlands.
At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at Cumberland College is $153,600 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 $15,495 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $61,980**
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 $192,000 or $77,475 using an average net price.
**Based on a 4 year multiple of Average Annual Net Price for 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.
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 University of the Cumberlands.
|Kentucky Resident Tuition Per Semester||$11,320|
|Kentucky Resident Total Cost Per Semester||$19,200|
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 University of the Cumberlands are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.
|Price per credit hour||$720|
|Cost for one class (3 credit hours)||$2,160|
|Cost for one class (4 credit hours)||$2,880|
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. 72% of University of the Cumberlands students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,500. The reported average student debt upon graduation is $16,178.
How much are student loan payments for University of the Cumberlands? 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 $61,980, 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 $76,902.97. This could be your effective total out of pocket cost of an education at University of the Cumberlands. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 100% of students at this school who receive financial aid and you are paying an average annual net price of $15,495. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our University of the Cumberlands 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.
|Monthly Loan Payment||$640.86|
|Number of Monthly Payments||120|
|Total Interest Cost||$14,922.97|
|Sum of All Payments over 10 years||$76,902.97|
Can I afford to attend Cumberland College? 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 University of the Cumberlands, 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 $76,902.97 would be needed to afford a $640.86 monthly payment in the example $61,980.00 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.
What will it cost to send your child to University of the Cumberlands in the future? In the past four years, this school's published in-state tuition and fee total rose from $18,640 to $22,640. This amounts to an average annual price increase of 4.3%. 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 4 year cost of $153,600.00. 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 University of the Cumberlands.
|Annual||4 Year Degree|
|Estimated Cost in 5 years for students enrolling in 2025||$52,809||$211,236|
|Estimated Cost in 10 years for students enrolling in 2030||$67,399||$269,596|
|Estimated Cost in 15 years for students enrolling in 2035||$86,020||$344,081|
|Estimated Cost in 18 years for students enrolling in 2038||$99,579||$398,317|
What was tuition at Cumberland College five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.
We've compared the out of state cost of the most popular undergraduate areas of study at University of the Cumberlands 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/Commerce, General Bachelor's Degree||56||2% costlier|
|Elementary Education and Teaching Bachelor's Degree||19||8% costlier|
|Accounting Bachelor's Degree||11||3% costlier|
|Psychology, General Bachelor's Degree||9||5% cheaper|
|Community Health Services/Liaison/Counseling Bachelor's Degree||8||9% costlier|
|Fine/Studio Arts, General Bachelor's Degree||8||11% cheaper|
|Sport and Fitness Administration/Management Bachelor's Degree||7||2% costlier|
|Criminal Justice/Safety Studies Bachelor's Degree||6||13% costlier|
|Junior High/Intermediate/Middle School Education and Teaching Bachelor's Degree||5||13% costlier|
|Human Services, General Bachelor's Degree||5||10% costlier|
|Music Teacher Education Bachelor's Degree||5||1% costlier|
|Music, General Bachelor's Degree||5||7% cheaper|
|Religious Education Bachelor's Degree||3||15% costlier|
|History, General Bachelor's Degree||3||6% cheaper|
|Social Studies Teacher Education Bachelor's Degree||3||3% costlier|
|Speech Communication and Rhetoric Bachelor's Degree||2||3% cheaper|
|Engineering, Other Bachelor's Degree||2||14% cheaper|
|Mathematics, General Bachelor's Degree||2||6% cheaper|
|Journalism Bachelor's Degree||2||1% cheaper|
|Computer and Information Sciences, General Bachelor's Degree||1||4% costlier|
|English Language and Literature, General Bachelor's Degree||1||4% cheaper|
|Drama and Dramatics/Theatre Arts, General Bachelor's Degree||1||10% cheaper|
|Chemistry, General Bachelor's Degree||1||8% cheaper|
|Spanish Language and Literature Bachelor's Degree||1||11% cheaper|
|Biology/Biological Sciences, General Bachelor's Degree||1||5% cheaper|
|Management Information Systems, General Bachelor's Degree||1||5% costlier|
|Art Teacher Education Bachelor's Degree||1||6% costlier|
|Political Science and Government, General Bachelor's Degree||1||8% cheaper|
|Health and Physical Education/Fitness, General Bachelor's Degree||1||6% costlier|
|Physical Education Teaching and Coaching Bachelor's Degree||1||10% costlier|
Use the calculators below to formulate a college savings plan for University of the Cumberlands or model a student loan.
University of the Cumberlands is a four year private college located in Williamsburg, Kentucky. The school is affiliated with the Baptist faith. Full time enrollment is 2,843 and part time is 4,809. Learn more about getting accepted at University of the Cumberlands at CollegeSimply.
Students attending this school may pursue both undergraduate and graduate degrees.Address
University of the Cumberlands is a private not for profit institution.
University of the Cumberlands cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=156541 IPEDS survey data.