UTC Loans, Tuition, Costs & More

This is the complete guide to UTC tuition, costs and student loans. If you’re considering The University of Tennessee-Chattanooga, you’re likely focussed on that huge, glaring sticker price: $N/A.

If you’re still trying to figure out if you can get into the school, try our college chances calculator for UTC

What are your chances at UTC?

Your SAT Score
Your ACT Score
Select a score
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • Your GPA*
    on a 4.0 scale

    *gpa score is required

    This free college chances tool calculates your acceptance chances at UTC or any other U.S. college

    Please note all chances are estimates based on test score and GPA averages.

    *or select a school above for a specific calculation

    Need chances at another college?

    That expensive sticker price can be extremely misleading and does not usually represent the true cost of UTC. The reality is that a huge percentage of students who attend UTC do not pay that number.

    What you are most likely concerned with is what you and your family will pay for The University of Tennessee-Chattanooga, which is dependent on a range of factors from family income to state residency.

    Before we get started, if you have any doubts about your ability to afford UTC and are interested in student loans to support your education, the below vendors specifically lend to UTC students - click any of them to learn more about their rates and requirements.

    Now, let’s break down that scary sticker price first.

    How much is UTC tuition?

    The stated tuition for out-of-state students at The University of Tennessee-Chattanooga is $24782 while in-state students pay $8664. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending UTC.

    Essentially, tuition is only what you pay to attend classes at UTC. The annual charge of $24782 or $8664 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of UTC is much higher than either of these prices (more on this later).

    At the same time, however, tuition does not take into account factors that can help a student or family afford college, such as scholarships, student loans and grants.

    Therefore, although an important benchmark, the $8664 for The University of Tennessee-Chattanooga is likely not a good indicator of what you can expect to pay if you attend the school.

    What is the total cost of UTC?

    If you’re already thinking of this question, you’re one step ahead of us! And you’re on the right track… .The total cost of attending UTC is $N/A and is much more indicative of how much you will pay over the course of one year to attend the school - with one BIG caveat: total cost excludes financial supports that help reduce the cost of attending school, like scholarships at UTC.

    Still, if you do not plan on receiving financial aid, student loans and the like then the The University of Tennessee-Chattanooga cost of attendance is the best indicator to consider.

    What does the total cost of UTC include?

    The total cost of UTC includes tuition and other common, material expenses, like textbooks and supplies, room and board, and meal costs, minus the average amount of financial aid and scholarships.

    Importantly, this does not reflect the price you will likely pay based on your income bracket.

    What is the price of room and board at UTC?

    The cost of rooming and dorms at UTC is $5226

    The cost of meals at UTC is $3590.

    UTC does not fully report room and boarding charges.

    How much is UTC out of state tuition?

    Out of state tuition for UTC is $24782.

    How much is The University of Tennessee-Chattanooga in state tuition?

    In state state tuition for UTC is $8664.

    How can I afford UTC?

    You should use a variety of financial tools to offset the cost of UTC.

    It’s easy to lose track of all the assets at your disposal, but the most common can be categorized into grants, loans, and scholarships.

    At The University of Tennessee-Chattanooga, 0.3388% of students receive a pell grant. Furthermore, 0.4766% of students borrow federal student loans to help pay for the school.

    If you will use student loans to help pay for UTC, these providers below all work with UTC students.

    How much will I pay for UTC?

    This is the million dollar question - literally! UTC students pay a variety of prices to attend the institution, as you already know. A very easy way to determine an average price you can expect to pay is by using your average family income and comparing it to the table below.

    For additional insight, try using the The University of Tennessee-Chattanooga net price calculator.

    Family Annual Income Average Net Price for UTC
    $0 - 30,000 8305
    $30,001 - 48,000 10808
    $48,001 - 75,000 15351
    $75,001 - 110,000 16769
    $110,001+ 16711

    How much debt will I graduate with from UTC?

    Beyond the years you plan on spending at The University of Tennessee-Chattanooga, the financial repercussions of UTC tuition will stay with you for awhile, especially if you take out loans to finance the education.

    The median debt for students who have completed a degree at UTC is $21184.0. We can break down this number further by household income and student type (see where you might fit in):

    Family Income and Student Types Median Debt from UTC
    $0 - 30,000 Family income 12798.0
    $30,001 - 75,000 Family income 14500.0
    $75,000+ Family income 12423.0
    The median debt for Pell students 15038.0
    The median debt for female students 13393.0
    The median debt for male students 12500.0
    The median debt for first-generation students 13500.0

    Is UTC worth the cost?

    Going to college is an investment, and like all investments, you should look at the ROI of attending The University of Tennessee-Chattanooga.

    Luckily, we can provide some insightful data to help determine whether or not UTC is worth the cost by examining what past graduates are earning now.

    The average salary of students who were working six years after graduating from UTC is $33900 (the median is $30900).

    After 8 years, the average salary for UTC graduates is $N/A.

    10 years out, the average salary for UTC graduates is $42600.

    I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether UTC is worth the cost. The real upside of a college degree is that it puts you on a path where your future salary can increase substantially, and it may be hard to achieve that upside without a college degree.

    For example, after graduating from UTC you may get a job where the salary is not too much more than you’d make without a college degree, and you may have taken out a lot of loans to get there!

    However, if you stay in that position for 5 or 10 years, you will likely begin doubling and tripling what you’re making.

    The future earnings potential is going to be much higher if you go to UTC compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.

    How do UTC graduates fare compared to similar schools?

    This is an important question because if you’re considering UTC, you likely have other options on the table.

    Often times, students enroll in the cheapest university available to them. But, as we know from above, this isn’t the whole story.

    For example, you would pay 5% more for a college if you knew the average salary would also be 10% higher, wouldn’t you?

    There’s a lot of reasons why the average salary for UTC students would differ from its peer schools. Perhaps the most popular areas of study align with higher or lower paying careers, or the school has a massive and supportive alumni network.

    Here are just a few related schools to UTC that may be of interest. Click on any one to break down their costs and performance outcomes further.

    How much does UTC cost per semester?

    Assuming there are two semesters at UTC and you are an in-state student, you will pay $4332 per semester. If you are out-of-state, you will pay $12391 per semester.

    How much does UTC cost per year?

    This is effectively the total annual cost of UTC, which is $N/A. However, you can also add room and board, textbooks, and other fees listed above onto that number to better determine how you will really spend in one year of attendance.

    Is it possible to attend UTC for free?

    In theory, yes it is possible to attend UTC for free. If you are a stellar student, you may get a scholarship to cover the entire cost of the education.

    Similarly, if you are a student athlete, you may receive a full scholarship to be on a sports team.

    Unless you are receiving a “full ride” (e.g. full scholarship) to attend UTC, though, it won’t be free. If you take out loans to finance the school, you may pay very little in the near term but all of that money must still be paid off in the long term.

    If you're trying to get in to UTC read about the requirements here