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Cumberland University

Lebanon, TN 37087 — Private Nonprofit

Value Score: 65/100 | ROI Score: -48 | Affordability Score: 75/100

Tuition (In-State): $27,840 | Out-of-State: $27,840

Acceptance Rate: 67.3% | Graduation Rate: 46.3% | Retention Rate: 59.5%

Median Earnings (10yr): $57,687 | Median Debt: $17,952

Student Body Size: 2,104 (medium)

Pell Grant Recipients: 30.3% | Federal Loan Rate: 19.1%

Average Faculty Salary: $6,114/month

Tuition & Affordability Analysis

In-state tuition at Cumberland University is $27,840 per year, which is 29% below the national average for private institutions.

Out-of-state students pay $27,840/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $111,360 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at Cumberland University:

  • Families earning $0–$30,000: $17,882/year
  • Families earning $30,001–$48,000: $18,048/year
  • Families earning $48,001–$75,000: $19,609/year
  • Families earning $75,001–$110,000: $20,333/year
  • Families earning $110,000+: $20,917/year

Low-income families receive an average discount of $9,958/year, paying just 64% of the sticker price.

Admissions Snapshot

Cumberland University has an acceptance rate of 67.3%, placing it in the Moderately Selective (50–70%) category. This means roughly 781 students apply each year.

Graduate Outcomes & Return on Investment

46.3% of students at Cumberland University complete their degree, 25% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 59.5% (27% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Cumberland University earn a median salary of $57,687 ten years after enrollment, 41% above the national average. This represents a $22,687/year earnings premium over the average high school diploma holder, or $680,610 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $17,952, 17% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $195/month, with a total repayment of $23,400 (including $5,448 in interest).

Debt-to-Earnings Ratio: 0.31x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from Cumberland University pays for itself in approximately 5 years. This is an excellent return on investment.

Financial Aid Profile

30.3% of students at Cumberland University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 8% below the national average. This is near the national average, reflecting a typical economic diversity among the student body.

19.1% of students take federal loans, 59% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.

Average faculty salary: $6,114/month, 30% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Cumberland University enrolls 2,104 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 64/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 58%, Hispanic 10%, Black 13%, Asian 1%.

Cumberland University: Moderate Graduation and Earnings with Affordable Tuition

Report Card: Overall Grade C-

Cumberland University receives an overall grade of C- based on six dimensions:

  • Academics: D
  • Value: F
  • Outcomes: B
  • Affordability: B+

College Analysis

Cumberland University is a Private Nonprofit institution in Lebanon, TN with approximately 2,104 students. Cumberland University has a moderate graduation rate of 46.26%. The median earnings 10 years after graduation are $57,687. The university offers a relatively affordable tuition of $27,840. The median student debt upon graduation is $17,952.

The Verdict: Is Cumberland University Worth It?

Cumberland University presents a complex value proposition. With a median 10-year earnings of $57,687 against an in-state tuition of $27,840 per year, the initial financial outlay is substantial. The median debt of $17,952 is relatively moderate, which is a positive factor. However, the reported ROI score of -48 suggests that, on average, graduates do not recoup their investment quickly compared to national benchmarks. A rough calculation indicates that it would take approximately 3-4 years of post-graduation earnings, after accounting for living expenses and loan interest, to pay off the median debt, assuming no significant salary increases. The graduation rate of 46.3% also raises concerns about student success and program completion efficiency. While the university offers a supportive environment and a pathway to regional employment, the financial return on investment appears to be a significant hurdle. It is not a clear 'hidden gem' nor an outright 'overpriced' institution, but rather a choice that requires careful consideration of individual career goals and financial planning. For students seeking a degree with a strong regional focus and who are committed to leveraging local networks, it might offer value, but the national earnings data suggests caution.

Return on Investment

While the degree is affordable, the negative ROI score suggests that the cost may not be fully justified by the earnings potential.

Debt Reality Check

Median student debt at Cumberland University: $17,952. Monthly payment on a standard 10-year plan: $204/month. Total repaid: $24,480 ($6,528 in interest).

Breakeven vs high school diploma: 0.6 years. Debt burden: Low. Salary needed for comfortable repayment: $24,480.

Strengths

  • Affordable tuition
  • Moderate earnings
  • Strong online presence

Weaknesses

  • Moderate graduation rate
  • Higher student debt
  • Limited resources compared to larger institutions

Academic Profile

Retention Rate: 59.5%.

Cumberland University's academic landscape is characterized by a commitment to personalized attention, a hallmark of its private, liberal arts-focused identity. While specific departmental rankings aren't readily available, the university emphasizes strong undergraduate programs designed to prepare students for professional careers or graduate studies. Notable programs often highlighted include Business Administration, Education, and Health Sciences, with specific concentrations like Nursing and Physical Therapy drawing significant interest. The relatively small student body suggests a favorable student-faculty ratio, fostering opportunities for close interaction with professors. While faculty salary data is not provided, the private, nonprofit status often indicates a dedication to teaching and mentorship. Research opportunities for undergraduates, while perhaps not as extensive as at large research universities, are available, particularly within science and health-related fields, allowing students to gain hands-on experience. Cumberland offers an Honors Program for academically gifted students, providing enriched coursework and a more rigorous academic path. Study abroad programs, though potentially smaller in scale, are available to broaden students' global perspectives. Academic support services, including tutoring and writing centers, are crucial for student success, especially given the 46.3% graduation rate, suggesting that robust support is essential for students to complete their degrees.

Financial Aid Guide for Cumberland University

Pell Grant recipients: 30.3%. Students taking federal loans: 19.1%.

Navigating financial aid at Cumberland University requires understanding its commitment to making private education accessible. The stated tuition of $27,840 for both in-state and out-of-state students is the starting point, but most students receive aid. Cumberland offers a range of merit-based scholarships, often awarded automatically based on academic achievement (GPA and test scores, though these are not provided here). These can significantly reduce the sticker price. Need-based aid, determined by the FAFSA, is also a critical component. Families can expect a combination of grants and institutional aid. While specific dollar figures for typical aid packages vary widely by income, students from families with incomes below $50,000 might see aid covering a substantial portion of tuition, potentially reaching $15,000-$20,000 or more in grants and scholarships. Work-study opportunities are available, providing on-campus employment for students demonstrating financial need. Scholarship tips include applying early, exploring external scholarships, and highlighting any unique talents or leadership experiences in applications. Negotiating aid at Cumberland is possible, especially if you have competing offers from similar institutions, but it's generally more effective for merit-based aid than need-based grants. Always aim to submit your FAFSA and CSS Profile (if required) by the priority deadlines to maximize your aid eligibility.

Hidden Costs at Cumberland University

  • Meal Plans: While not always mandatory for upperclassmen, typical meal plans can range from $2,500 to $4,000 per academic year.
  • Textbooks and Supplies: Budget approximately $1,000 to $1,500 annually for books, software, and course materials.
  • Technology Fee: A mandatory fee, often around $100-$200 per semester, covers campus technology infrastructure.
  • Transportation and Parking: If living off-campus or commuting, factor in gas, vehicle maintenance, and a parking permit, which can cost $50-$150 per year.
  • Personal Expenses: Allow $1,500-$2,500 per year for toiletries, laundry, entertainment, and other miscellaneous items.
  • Health Insurance: If not covered by a parent's plan, the university's student health insurance can add $2,000-$3,000 annually.

Alumni Outcomes & Career Paths

Cumberland University graduates enter a diverse job market, with many finding opportunities within the Middle Tennessee region. While specific major employer recruitment data is not publicly detailed, common industries for alumni include education, healthcare, business, and public service. Graduates often find roles in local school districts, hospitals like TriStar Summit Medical Center, and various businesses in the Lebanon and Nashville metropolitan areas. The university's career services department aims to connect students with internships and job opportunities, though the depth of its internship pipelines with major national corporations is less pronounced compared to larger institutions. Graduate school placement rates are not prominently published, but anecdotal evidence suggests a portion of graduates pursue advanced degrees in fields like law, education, and business administration. Notable alumni include figures like former NFL player and coach Mike Munchak and country music artist Chris Young, indicating a broad reach across different professional fields. Geographic hiring patterns heavily favor the Middle Tennessee area, with a significant number of alumni remaining within a 50-mile radius of the Lebanon campus. While direct recruitment from Fortune 500 companies might be limited, Cumberland fosters strong connections with regional employers and government agencies, providing a solid foundation for local career success.

Campus Life & Culture at Cumberland University

Cumberland University attracts a predominantly undergraduate student body seeking a personalized educational experience within a supportive, community-focused environment. The student population tends to be largely from Tennessee and surrounding Southern states, fostering a shared regional identity. Students who thrive here are often those who appreciate smaller class sizes, value faculty mentorship, and are eager to engage in campus life through clubs, athletics, or service.

Cumberland University, nestled in Lebanon, TN, offers a close-knit campus community with a distinctly Southern charm. The 'vibe' here is often described as friendly and familial, where students and faculty genuinely connect. With an enrollment of just over 2,100, it's large enough to offer diverse experiences but small enough to avoid feeling lost. The heart of campus life revolves around the historic Quad, a central green space perfect for studying, socializing, or attending campus events. Student organizations are plentiful, covering a wide range of interests from academic clubs like the Pre-Med Society to service groups like Rotaract and cultural organizations. Cumberland's Greek life is a significant part of the social scene, with fraternities and sororities hosting regular events and contributing to campus traditions. Athletics are also a major draw, with the Bulldogs competing in the Mid-South Conference of the NAIA; sporting events are a popular way for students to gather and show school spirit. While on-campus housing is available and encouraged for underclassmen, many upperclassmen opt for apartments in the surrounding Lebanon area, which offers a more independent living experience. Dining services are centered around the cafeteria, providing standard meal plan options. The overall atmosphere encourages involvement, making it easy for students to find their niche and build lasting relationships.

Campus Highlights

  • The historic Quad: A central, picturesque green space that serves as the heart of campus for events and daily life.
  • The Lebanon Square: Just a short walk from campus, offering local shops, restaurants, and a taste of small-town Tennessee charm.
  • Athletic Spirit: Strong support for the Cumberland Bulldogs (NAIA) creates a vibrant atmosphere on game days.
  • Close-Knit Community: The relatively small size fosters strong relationships between students, faculty, and staff.
  • Tradition of Service: Active engagement in community service through organizations like Rotaract.
  • Southern Hospitality: A welcoming and friendly campus culture that makes new students feel at home.

Location & Regional Advantages

Cumberland University's location in Lebanon, Tennessee, offers a unique blend of small-town charm and proximity to a major metropolitan hub. Lebanon itself provides a lower cost of living compared to nearby Nashville, making student expenses more manageable. The local job market is growing, particularly in sectors like healthcare, advanced manufacturing, and logistics, driven by the expansion of businesses in the greater Nashville area. Proximity to Nashville (approximately 30 miles) is a significant advantage, granting students access to a much larger and more diverse job market, numerous internship opportunities with companies like Nissan North America, HCA Healthcare, and Amazon, and a vibrant cultural scene. The quality of life in the region is generally high, with access to outdoor recreation, a burgeoning culinary scene in Nashville, and a generally friendly atmosphere. The weather is typical of the Southeast, with warm summers and mild winters. Safety in Lebanon is comparable to other suburban towns, offering a secure environment for students. This strategic location allows Cumberland graduates to benefit from the stability of a smaller community while leveraging the extensive career opportunities available in a major economic center, enhancing their post-graduation career prospects.

How to Get Into Cumberland University

Cumberland University's admission rate of 67.3% suggests a moderately selective process. While Early Decision (ED) and Early Action (EA) aren't heavily emphasized or detailed, applying by the priority deadlines (typically in the late fall or early winter) is always advisable to ensure full consideration for both admission and scholarships. The admissions office likely values a well-rounded applicant who demonstrates academic potential and a commitment to community. Given the lack of specific GPA or test score data, focus on presenting a strong academic record with challenging coursework. Essays should showcase personality, resilience, and a clear understanding of why Cumberland is a good fit – perhaps highlighting specific programs or the university's values. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and engaging with admissions counselors. For students with a GPA around 3.0-3.5 and a solid ACT/SAT score (if submitted), admission is probable, but a compelling essay and extracurricular involvement can strengthen an application, especially if academic metrics are borderline.

How Cumberland University Compares to Similar Schools

Similar schools: Lipscomb University, Belmont University, Tennessee State University, Austin Peay State University

Advantages

  • Stronger focus on regional networking and community ties within Middle Tennessee.
  • Potentially more affordable tuition and fees compared to some private urban peers.
  • Smaller class sizes and more personalized attention for students.

Disadvantages

  • Lower national brand recognition and alumni network reach.
  • Fewer resources and internship opportunities with large, national corporations.
  • Lower graduation rates compared to some peer institutions.

Best For

  • Prospective students interested in a smaller, close-knit community.
  • Students seeking a more affordable tuition compared to larger private institutions.

Avoid If

  • Students looking for a higher graduation rate and lower student debt should consider other options.
  • Those seeking a larger campus with more resources may find Cumberland University less appealing.

Frequently Asked Questions about Cumberland University

How much does it cost to attend Cumberland University?

In-state tuition at Cumberland University is $27,840 per year, and out-of-state tuition is $27,840 per year. The median student debt at graduation is $17,952.

What is the acceptance rate at Cumberland University?

Cumberland University has an acceptance rate of 67.3%.

What is the graduation rate at Cumberland University?

Cumberland University has a graduation rate of 46.3%.

How much do Cumberland University graduates earn?

The median earnings for Cumberland University graduates 10 years after enrollment is $57,687. With median debt of $17,952, graduates earn roughly 3.2x their debt level annually.

How big is Cumberland University?

Cumberland University has approximately 2,104 students and is classified as a medium institution. It is located in Lebanon, TN and is a Private Nonprofit institution.

Is Cumberland University worth the cost?

Cumberland University has an ROI score of -48 out of 100. With in-state tuition of $27,840 per year and median post-graduation earnings of $57,687, the data suggests the return on investment may be below average.

Where is Cumberland University located?

Cumberland University is located in Lebanon, TN. It is a Private Nonprofit institution with approximately 2,104 students.

How much student debt do Cumberland University graduates have?

The median student debt for Cumberland University graduates is $17,952. With median earnings of $57,687 ten years after enrollment, graduates can expect a debt-to-income ratio of 31%.

Is Cumberland University a good college?

Cumberland University has a graduation rate of 46.3% and median post-graduation earnings of $57,687. The university has a diverse student body with a significant white population.

How does Cumberland University compare to similar colleges?

The admission rate is above average, indicating a relatively selective admissions process. Compared to peer institutions, Cumberland University offers a more affordable tuition but has a lower graduation rate and higher student debt.

What career prospects do Cumberland University graduates have?

Graduates of Cumberland University are well-positioned for careers in various fields, given the moderate earnings and strong online presence.

What should prospective students know about Cumberland University?

Cumberland University holds a moderate position in the market, balancing affordability with decent academic outcomes.

What makes Cumberland University stand out?

The university is located in a small city, which may offer a close-knit community.

What are the pros and cons of attending Cumberland University?

The school's online presence is strong, as indicated by its website.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.