Cost & aid
What it costs
In 2023–24, the average first-year paid an estimated $18,169 in total (tuition, housing, food, books and other costs, after grants), $6.1K less than the national median. The 92% who received grants paid $15,347 on average; the other 8% paid the full sticker price of $26,546 in-state / $34,610 out-of-state.
- Full price, in-state
- $26,546 a year
- tuition, housing, food, books, and other costs
- Need-based aid
- Little need-based aid above $110K
- aid thins out for families above that income
- Merit aid
- 19% · avg $4K
- of first-years without need got merit aid
Cost by family income
Per year for a typical family of four with one child in college. Up to $110K it is the average price federal aid recipients paid (2023–24).
Hover, tap, or use the arrow keys to read the price at an income.
- Published federal figures
- With an average merit award: $23K · 19% got one. A possibility, not a promise
View as a table
| Family income | Price per year |
|---|---|
| $0–30K | $10K a year |
| $30–48K | $11K a year |
| $48–75K | $14K a year |
| $75–110K | $17K a year |
| $150K | Published data end at $110K |
| $200K | Published data end at $110K |
| $250K | Published data end at $110K |
| $300K | Published data end at $110K |
| $350K | Published data end at $110K |
| $400K and above | Published data end at $110K |
At $150K: Published data end at $110K
Published data end at $110K; use the college's net price calculator for a number.
Your own number depends on the details below, so use the college's calculator for it.
What can change this
- Savings and investments above a typical amount raise the price. The curve assumes typical assets.
$18,169
Tuition, housing, food, books & other expenses, after grants · 2023–24
92% got grants averaging $10,038; 8% got none.
Housing and food use the college's on-campus rates, so the estimate runs high where many students live at home. “Other expenses” is the college's estimate of personal and transportation costs. Loans aren't subtracted because they're repaid.
Who pays what
Share of first-year students, 2023–24.
Sticker price by residency
| Rate | Tuition & fees | First-years | |
|---|---|---|---|
| In-state | $10,144 | $26,546 | 89% |
| Out-of-state | $18,208 | $34,610 | 11% |
Full cost adds books, on-campus room & board, and other expenses ($16,402) to tuition and fees.
$19.5K
≈ $207/month for 10 years
1.4 yrs
of median salary to cover 4 years of net price
About 1 in 3 undergrads borrows federally.
Everyone who borrowed and left, whether or not they graduated.
Three years into repayment
Where former undergraduates stand on their federal loans.
- Paid in full12%
- Paying it down23%
- Payments paused36%
- Not paying it down20%
- Behind or in default10%
- Forgiven or discharged1%
Some shares are published as a small range to protect privacy.
Who actually gets aid
Aid generosity
ModerateGrants cover 34% of the $27,433 full price on average across all first-years (moderate), more than at 35% of colleges.
$9,264 in grants per first-year ÷ $27,433 full price.
Who gets grants and scholarships
Full-time first-year students (2,359), 2023–24
About 1 in 13 first-year students got no grant aid and paid the full sticker price of $26,546 in-state / $34,610 out-of-state.
Where the aid comes from
Share of first-year students receiving each; averages are per recipient.
Aid by family income
By family income: only students who received federal aid, because income is only reported for them.
Aid by family income isn't reported.
From The University of Tennessee-Chattanooga's Common Data Set
First-years and all full-time undergraduates, 2025–26 (estimated).
| First-years | All full-time | |
|---|---|---|
| Have financial need | 64%1,508 students | 42%3,928 students |
| Need met, on average | 66% | 61% |
| Need fully met | 2% | 12% |
| Average aid package | $15,102 | $13,281 |
| Average need-based grant | $12,398 | $10,705 |
| Average need-based loan | $3,324 | $4,265 |
| Merit aid without need | 19%average $3,806 | 4%average $3,944 |
| Athletic scholarships | 35average $20,133 | – |
41% of the college's own grant dollars were awarded without regard to need.
Each college decides what a family needs, so “100% of need met” can mean different prices at different colleges. Merit awards that went toward a student's need count as need-based here.
Applying for aid
For fall 2026 entrants.
Also: Scholarship Application
Priority date: December 1 · Aid offers: on a rolling basis · Reply by: May 1
Dates for fall 2026 entrants; the next cycle's are usually similar.
What the college's own scholarships consider
| Academics | ✓ | ✓ |
|---|---|---|
| Alumni connection | ✓ | not marked |
| Art | ✓ | not marked |
| Athletics | ✓ | not marked |
| Job skills | ✓ | not marked |
| ROTC | ✓ | not marked |
| Leadership | ✓ | not marked |
| Music or drama | ✓ | not marked |
| Religious affiliation | ✓ | not marked |
| State or district residency | ✓ | not marked |
A blank means the college didn't mark it, not that it never counts.
International students
Merit aid offered.
International applicants file: Scholarship application.
Sources:IPEDS Institutional Characteristics survey, 2023–24;IPEDS Student Financial Aid survey, 2023–24;College Scorecard, 2023–24;College Scorecard, most recent release;The University of Tennessee-Chattanooga Common Data Set 2025–26, 2026–27;The University of Tennessee-Chattanooga Common Data Set 2025–26, 2025–26 (estimated);The University of Tennessee-Chattanooga Common Data Set 2025–26, Fall 2026 entrants;The University of Tennessee-Chattanooga Common Data Set 2025–26, 2025–26;IPEDS directory (Institutional Characteristics: HD), 2025–26;Common Data Set, most recent releaseAbout the data(retrieved 2026-10-12)