University of the Cumberlands

In 2016, tuition for full-time students at University of the Cumberlands was $9,875 a year.

Tuition was the same price in 2023 compare to the year before. On average, colleges raise tuition about 3% each year.

If this makes attending the college of your dreams seem daunting, remember, the total cost of tuition isn't the final cost for attending college. Many students pay way less than the total tuition after grants, scholarships, and tuition discounts kick in. Plus, student loans can make the amount you do have to pay out of pocket more manageable until you've finishing school and found a job.

University of the Cumberlands meets 76% of the demonstrated financial need for undergraduates. First-year students that attend University of the Cumberlands full-time are awarded $23,315 a year in financial aid, on average.

Graduates in the class of 2023 had an average of $25,198 in student loans per borrower.

In-state vs. Out-of-state Tuition at University of the Cumberlands

University of the Cumberlands is a private, religious institution, which means it has the same tuition for students from KY as it does for students who live in other states.

Public colleges and universities receive funding from the state government. Public, state schools can offer lower tuition for students who meet the requirements for in-state residency.

Choosing a college where you qualify for the reduced tuition offered to state residentscan save students a lot of money on the overall cost of college. Don't forget to verify your state's guidelines for how to qualify for in-state residency. Each state has different requirements to qualify as in-state resident. The most common requirement is that students must have lived in the state for a full year before starting school. There may be additional requirements as well, depending on where you live.

Explore other KY colleges

Tuition for International Students at University of the Cumberlands

Tuition at University of the Cumberlands is the same for every student.

International students are not eligible for federal financial aid, but may be eligible for private or school-specific grants, scholarships, and other funding opportunities. 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 Housing Expenses, Fees, and More

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In addition to tuition, there are other costs associated with college, like room and board, facility fees, and books and supplies. 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, plus a meal plan that allows you to eat in the University of the Cumberlands's on-campus cafeterias and dining facilities.

Meal-plan costs may vary depending on how many meals are included in the plan you choose.

Cost of Books at University of the Cumberlands

The cost of books often surprises first-year college students. The actual cost of books depends on the courses you take and the materials required. To save money, many students choose to use books from the library or buy books from students who have already taken the course.

Yearly Fees

The majority of colleges also have fees to help cover the cost of facilties, like the computer labs and libraries, athletic facilities, and more.

Keep in mind, there could also be other costs associated with participating in certain activities, like Greek Life, or playing on an intramural sports team. Many schools have resources for students with financial need to get help covering these costs.

Planes, Trains, and Automobiles: Transportation costs at University of the Cumberlands

The total cost of transportation in college depends on a few key factors. Will you drive, fly, or take public transportation to school? Is on-campus parking free, or will you need to budget for parking? Is the campus small enough that you can easily walk from class-to-class?? Do you own a car, or will you need to use busses, subways, or other modes of transportation? All of these factors can drastically impact your estimated cost of transportation. At University of the Cumberlands, freshman are allowed to park 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 flip side, transportation in a city is often pricey, but cities may offer more trains, busses and affordable flights to actually get to school. The University of the Cumberlands campus is in a rural area in KY, near Knoxville.

Other Costs

When you're planning for college, be sure to factor in personal expenses, like movies, takeouts, furniture or appliances for your dorm or housing, and essentials like laundry detergent, toothpaste and toilet paper.

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Financial Breakdown for University of the Cumberlands

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Now, let’s do a rundown of all of the costs associated with college, to get a better idea of what is really costs to go to University of the Cumberlands.

Total Cost of University of the Cumberlands

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

2023 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 2023, 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 2023, 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 2023. 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 make more informed decisions about 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 waiver tuition for certain groups, to make attending more affordable. Some schools 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.

University of the Cumberlands's Endowment

An endowment is the total value of a school's investments, donations, and assets. Endowment is not necessarily an indicator of the quality of a school, but it can give you a sense of how much money a college can afford to invest in expanding programs, improving facilities, and supporting students.

For more information about University of the Cumberlands's endowment, check with the school directly.

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Learn More About University of the Cumberlands

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