University of the Cumberlands

In 2022, tuition for full-time University of the Cumberlands students was $9,875 a year.

Tuition was the same price in 2022 as it was the year before. Usually, colleges raise tuition about 3% each year.

If this makes attending the college of your dreams sound impossible, remember, the "sticker price" of tuition does not tell the full story. Many students owe way less than the sticker price after grants, scholarships, and tuition discounts are applied. And, student loans can make theprice of collegefeel more doable until you're done with college.

University of the Cumberlands: In-state vs. Out-of-State Tuition

University of the Cumberlands is a private, religious institution, so it has the same tuition for residents of KY as it does for residents from other states.

Public schools receive funds from the state to help them cover costs. Public, state schools can offer lower tuition for students who meet the requirements for in-state residency.

Choosing a college where you qualify for in-state tuition can cut the cost of college tuition. Take the time to confirm your state's requirements for in-state residency. Every state has its own rules about what makes someone eligible for in-state tuition. In many states, students must have lived in the state for 12 months before starting school to qualify for in-state tuition. There may be other criteria too, depending on the state you and your parents currently reside in.

Explore other KY colleges

University of the Cumberlands International Student Tuition

University of the Cumberlands has the same tuition for international students as for those from out of state.

International students usually do not qualify for for federal financial aid, but should research private or University of the Cumberlands-specific aid and scholarships. International students who demonstrate financial need may qualify for the following types of financial support at University of the Cumberlands:

•On-campus jobs •Athletic Awards •University of the Cumberlands-specific scholarships

International students without financial need may be eligible for merit-based institutional scholarships and athletic awards.

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University of the Cumberlands Living Expenses, Fees, and More

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In addition to the cost of tuition, room and board, books, transportation and fees are also costs it consider when planning for college. Let's take a look at what impacts these costs, and what to expect at University of the Cumberlands.

House and Food Costs at University of the Cumberlands

Room and board at University of the Cumberlands is $9,300 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 in the University of the Cumberlands's on-campus cafeterias and dining facilities.

Board costs can depend on how many meals are included in the plan you choose.

Cost of Books at University of the Cumberlands

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 materials required. To save money, many students choose to use books from the library or buy used textbooks and materials.

Annual Fees

Most schools also have fees to offsets cost associated with maintaining facilties, like the computer labs and libraries, athletic facilities, and more.

There may be additional fees associated with participating in certain activities, like Greek Life, or playing on an intramural sports team. Many schools offer resources for students with demonstrated need to get help covering these costs.

The Cost of Transportation at University of the Cumberlands

The cost of getting around 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 own a car, or are you planning to use public transportation? All of these factors can make a big difference in your transportation budget. At University of the Cumberlands, freshman are allowed to park on campus.

A school's location can also have a big effect on your transportation budget. 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 may be costly, but there may be more buses, trains or low-cost flight options to actually get to school. The University of the Cumberlands campus is in a rural setting in KY, not far from Knoxville.

Other Costs

When budgeting for college, be sure to leave some room in your budget for the cost of things like entertainment, clothes, furnishings and toiletries.

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Total Tuition and Expenses at University of the Cumberlands

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Now, let’s look at the breakdown of all expenses, to get a better estimate of the actual cost of attending University of the Cumberlands.

How Much Does University of the Cumberlands Cost?

What will the cost of attending University of the Cumberlands be? Here is a breakdown of tuition and expenses.

2022 Total Tuition and Expenses
Tuition	$9,875
Room and Board	$9,300

The total estimated cost will vary depending on whether you are going to live on-campus or off-campus.

Total Estimated Costs
On-Campus	$19,175
Off-Campus	$9,875

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.

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University of the Cumberlands Financial Aid

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In 2022, 1,442 of the 4,511 undergrads enrolled received financial aid. University of the Cumberlands meets 76% of the demonstrated financial need for undergraduates.

The average financial aid package for a full-time, first-year student is around $23,315 a year. Around 76% of University of the Cumberlands undergrads take out student loans to cover any remaining costs. University of the Cumberlands graduates who have student loans graduate with an average of $25,198 of student loan debt.

The average debt for each loan type varies.

Average Debt By Loan Type
Federal Loans	$24,423
Private Loans	$13,678

Most Common Loans for University of the Cumberlands Students
Federal Loans	75%
Private loans	6%

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 University of the Cumberlands financial aid, keep reading, or visit their financial aid website.

Scholarships at University of the Cumberlands

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, University of the Cumberlands awarded 1,423 need-based scholarships to students, giving away total of $20.7 million to help students with financial need cover the cost of school. An additional $2.96 million in merit-based scholarship money was awarded to students without demonstrated financial need.

University of the Cumberlands Net Cost

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 University of the Cumberlands 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 University of the Cumberlands was $23,315 in 2022. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of University of the Cumberlands seem more manageable.

Estimated Net Cost for Full-Time Students
Off-Campus	$-13,440

Note: a negative number can indicate that a refund will be given to use toward other expenses such as housing, fees, and books. In such cases, be sure to reach out to the school directly for any clarification or questions.

What will attending University of the Cumberlands 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 understand the actual cost of attending that school, based on their financial situation. You can find the University of the Cumberlands's net cost calculator on their website.

University of the Cumberlands Tuition Payment Plans

Some students choose to use payment plans to make the cost of tuition fit more comfortably in their budget.

Students cannot pay tuition in installments. Contact the financial aid office to verify this and discuss options.

Does University of the Cumberlands Offer Tuition Waivers?

Schools sometimes offer tuition waivers to certain groups, to reduce the total cost of attendance. Some colleges offer tuition waivers for faculty, staff, and their families , 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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Learn More About University of the Cumberlands

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