In 2022, tuition for full-time students at Cumberland University was $25,200 a year.
In 2022, tuition increased 3.55%–from $24,336 the prior year. Usually, college tuition rises about 3% year.
If these numbers seem daunting, remember, the "sticker price" of tuition does not always mean much if you plan to use financial aid to help pay for college. Many students owe far less than the sticker price after grants, scholarships, and tuition discounts kick in. And, student loans can make thecost of college more manageable until you're done with college.
Cumberland University is a private, nonprofit institution, which means it has the same tuition for residents of Tennessee as it does for residents from other states.
Public colleges and universities receive funding from the state government. These institutions offer reduced tuition for students who are residents of that state.
Attending a school where you qualify for in-state tuition can save significant money on the overall cost of college. Don't forget to verify your state's rules for in-state tuition. Every state has its own rules about what makes someone eligible for in-state tuition. The most common requirement is that students must have lived in the state for a full year before starting school. There may be other criteria as well, depending on where you live.
Explore other Tennessee colleges
Cumberland University has the same tuition for international students as for those from out of state.
International students are not eligible for federal financial aid, but may qualify for private or school-specific aid and scholarships.
International students without financial need may be eligible for merit-based institutional scholarships and athletic awards.
In addition to tuition, room and board, books, transportation and fees are also costs it consider when budgeting for college. Let's take a look at what impacts these costs, and what to expect at Cumberland University.
Room and board at Cumberland University is $9,400 a year. This number covers the cost of living in dorms or other on-campus housing, and a meal plan that enables you to eat all or some of your meals the school dining facilities. Students who live off campus but still want to use the dining facilities can opt-in for a meal plan. The cost of board-only is $4,000.
Board costs can depend on the numnber of meals you intend to eat on-campus
First-year students are sometimes surprised by how much books and supplies cost–and not in a good way. The actual cost of books and supplies depends on the courses you take and the textbooks, computer programs, or other materials are required.. To save money, many students choose to use books from the library or buy books from students who have already taken the course.
The majority of colleges charge some yearly fees to offsets cost associated with maintaining facilties, like the library, gym and computer labs.
There may be additional fees associated with participating in special activities, like joining a fraternity or sorority, or playing on an intramural sports team. Most colleges offer resources so that those who may struggle to participate because of cost can get help covering these costs.
The total cost of transportation in college depends on a few key factors. Will you take a subway, car or an airplane to get to school? Is on-campus parking free, or will you need to budget for parking? Is the campus easy to get around on foot? Do you plan to bring a car or will you need to use busses, subways, or other modes of transportation? All of these questions can make a big difference in your transportation budget. Keeping in mind, first-year students are allowed to park a car on campus.
Where are a college is located can also have a big effect on the amount you'll have to spend just to get around. Small, rural schools may be easier to get around, but the cost of getting to campus may be higher. On the other hand transportation in an urban area is often expensive, but there may be more buses, trains or affordable flights to actually get to school. The Cumberland University campus is located in a small town setting in Tennessee, not far from Nashville.
When budgeting for college, don’t forget to leave some room in your budget for the cost of things like going out to eat or see shows, furnishing your living space, and things like haircuts, clothes and, yes, even toilet paper and shampoo.
Now, let’s go over all of the costs we've covered, to get a better idea of how much students can expect to shell out for Cumberland University.
What will the cost of attending Cumberland University be? Here is a breakdown of tuition and expenses.
|2022 Total Tuition and Expenses|
|Room and Board||$9,400|
The total estimated cost will vary depending on whether you are going to live on-campus or off-campus.
|Total Estimated Costs|
The breakdowns above provide a good estimate of the total cost of attendance before financial aid and scholarships. Tuition and fees may vary depending on program, course level, location, and more.
The majority of Cumberland University undergrads use financial aid to to cover the cost of tuition. In 2022, 910 of the 1,254 undergrads enrolled received financial aid. Cumberland University meets 69% of the demonstrated financial need for undergraduates.
The average financial aid package for a full-time, first-year student is around $18,281 a year. Around 63% of Cumberland University undergrads take out student loans to cover any remaining costs. Cumberland University graduates who have student loans graduate with an average of $25,827 of student loan debt.
The average debt for each loan type varies.
|Average Debt By Loan Type|
|Most Common Loans for Cumberland University Students|
Most students take out institutional or government loans, because they tend to have lower interest rates and more flexible repayment options than private loans. Loans from the federal government can be subsidized or unsubsidized. Subsidized loans do not accrue interest during school, while unsubsidized loans begin accruing interest at the time the loan is issued. If students do no qualify for enough federal loans to cover the cost of tuition, some take out private loans. Parents can also take out ParentPLUS loans, which are government loans for parents who are helping their children pay for college.
The Free Application for Federal Student Aid (FAFSA) helps colleges determine how much financial need students and their familes have, so they can offer a financial aid package that meets, or come close to meeting, their need. For more information on Cumberland University financial aid, keep reading, or visit their financial aid website.
Some students may receive grants and scholarships to help pay for college. Unlike loans, scholarships and grants do not have to be paid back.
In 2022, Cumberland University awarded 430 need-based scholarships to students, giving away total of $2.7 million to help students with financial need cover the cost of school. An additional $6.66 million in merit-based scholarship money was awarded to students without demonstrated financial need.
The net price of college is the actual cost of attending a school for one year. Net cost is calculated by subtracting any scholarships, grants or other aid that does not need to be paid back from the total cost. Student loans are not part of the calculation, because they need to be repaid.
Now that we have a sense of the total estimated costs for Cumberland University students, we can subtract the average financial aid package to find the estimated net cost. Net cost can vary depending on a students’ need and the financial aid award received.
When considering whether a school fits your budget, it is important to consider the estimated net cost, not just the sticker price of tuition. Often, schools with the highest tuition also offer the most generous aid packages, so estimate your net cost before eliminating a school because it does fit your budget.
The average amount of financial aid received by a full-time first year student with demonstrated need at Cumberland University was $18,281 in 2022. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of Cumberland University seem more manageable.
|Estimated Net Cost for Full-Time Students|
What will attending Cumberland University really cost you? The answer depends on several factors.
As of 2011, colleges are required to have a net price calculator on their website to help prospective students and their families make more informed decisions about the actual cost of attending that school, based on their financial situation. You can find the Cumberland University's net cost calculator on their website.
Some students choose to use payment plans to make the cost of tuition fit more comfortably in their budget.
Cumberland University offers an Installment Payment Plan, which allows students to pay tuition in a series of smaller chunks instead of one lump sum.
Schools sometimes waiver tuition for certain groups, to reduce the total cost of attendance. Some colleges offer tuition waivers for employees and their family members, underrepresented students, or military students. Even with a tuition waiver, other expenses and fees are the responsibility of the student.
Check the financial aid website for more information on payment plans and tuition waivers.
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