Cost to Attend Union University

Union University
Jackson, Tennessee

Annual Costs

Undergraduate Tuition

Tuition for Union University is $32,650 for the 2019/2020 academic year. This is 12% more expensive than the national average private non-profit four year college tuition of $29,191. The cost is 65% more expensive than the average Tennessee tuition of $19,772 for 4 year colleges. Tuition ranks 53rd in Tennessee amongst 4 year colleges for affordability and is the 7th most expensive 4 year college in the state. Price does not vary by residence.

The school charges an additional fees of $1,100 in addition to tuition bringing the total effective in-state tuition to $33,750.

Housing Costs

On campus room and board is provided by the school at a cost of $10,400 per academic year. Students electing to live off campus elsewhere in Jackson should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,600.

Other Living Expenses

If living on-campus, students should budget for $9,240 in additional living expenses. Off-campus students should budget for $9,240 in other miscellaneous living expenses.

Total Costs

The annual tuition and living expense budget to go to Union University was $54,990 for the 2019/2020 academic year. The cost is the same for all students regardless of Tennessee residence status as there is no in-state discount.

Citation: Price data from the U.S. Department of Education's 2020 IPEDS survey response for Union University and represent reported costs for the 2019-2020 academic year.

Costs and Tuition for Union University
Estimated Budgets
Tennessee Resident Total Budget $54,990
   In-State Tuition$32,650
   Other Fees$1,100
   Room and Board$10,400
   On-Campus Other Budget$9,240
   Books and Supplies$1,600
Non-Resident Total Budget $54,990
   Out-of-State Tuition$32,650
   Other Fees$1,100
   Room and Board$10,400
   On-Campus Other Budget$9,240
   Books and Supplies$1,600
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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 $54,990 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 Union University net price for in-state students is $31,980* for the 2018/2019 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

100% of Union University students received grant aid in 2018/2019. The average total aid amount was $21,077. 34 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2018/2019 was $4,486. To apply for a Pell Grant to attend Union University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Union University
Financial Aid Summary
Average Annual Net Price$31,980*
Percent of Students Receiving Grant Aid100%
Average Total Grant Aid$21,077
Percent of Students Receiving Pell Grants34%
Average Amount of Pell Grant Aid$4,486

Average Net Price 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 2018/2019 academic year.

Family Income Avg. Net Price
$0 to $30,000$26,079
$30,001 to $48,000$27,004
$48,001 to $75,000$25,952
$75,001 to $110,000$29,336

Average Financial Aid Mix - $54,990 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $54,990. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

Grants and Scholarships
46% - $21,077

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

Federal Loans
13% - $5,921

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

Out of Pocket
41% -  $18,752

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 2018/2019 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.

Is it Worth the Cost?

To make a comparative assessment if Union University is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 72/100 for Union University. Considering an average net price paid of $23,727, this leads to an overall value ranking of 59/100. This places the school 275th on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

Tuition Comparison to Similar Private Colleges in the Region

School Cost vs. Union University
Aquinas College34.6% less expensive
Lipscomb University5.5% less expensive
Samford University2% less expensive
Bellarmine University25.2% more expensive
Centre College31.7% 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 Union University.

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 Union University is $219,960 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 $23,727 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $94,908**

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 $274,950 or $118,635 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 2018/2019 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

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 Union University 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 Union University
Price per credit hour$1,050
Cost for one class (3 credit hours)$3,150
Cost for one class (4 credit hours)$4,200

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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. 92% of Union University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,921.

Example Loan Payments and Costs

How much are student loan payments for Union University? 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 $94,908, 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 $108,663.24. This could be your effective total out of pocket cost of an education at Union University. 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 $23,727. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Union University 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.

Union University Student Loan Payments
Example Payments
Monthly Loan Payment$905.53
Amount Borrowed$94,908.00
Interest Rate2.75%
Term10 years
Number of Monthly Payments120
Total Interest Cost$13,755.24
Sum of All Payments over 10 years$108,663.24

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Union University? 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 Union University, 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 $108,663.24 would be needed to afford a $905.53 monthly payment in the example $94,908.00 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 Union University in the future? In the past four years, this school's published in-state tuition and fee total rose from $27,420 to $32,650. This amounts to an average annual price increase of 3.8%. 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 $219,960.00. 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 Union University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2026$75,624$302,496
Estimated Cost in 10 years for students enrolling in 2031$96,518$386,070
Estimated Cost in 15 years for students enrolling in 2036 $123,184$492,735
Estimated Cost in 18 years for students enrolling in 2039 $142,600$570,402


Use the calculators below to formulate a college savings plan for Union University 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 Union University 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 Union University student loan.

Prepayment Option

About Union University

Union University is a four year private college located in Jackson, Tennessee.  The school is affiliated with the Southern Baptist faith.  Full time enrollment is 2,462 and part time is 785. Learn more about getting accepted at Union University at CollegeSimply.

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

Union University
1050 Union University Dr
Jackson, Tennessee

For Profit / Not For Profit Status

Union University is a private not for profit institution.

Union University cost and financial aid data source: U.S. Department of Education IPEDS survey data. Data last updated January 2021 and reflects academic year 2019/2020 costs reported by the school.