CollegeTuitionData — College Data in Plain English

The University of Tennessee-Chattanooga

Chattanooga, TN 37403-2598 — Public

Value Score: 75/100 | ROI Score: 22 | Affordability Score: 90/100

Tuition (In-State): $10,448 | Out-of-State: $18,512

Acceptance Rate: 81.1% | Graduation Rate: 51.6% | Retention Rate: 72.5%

Median Earnings (10yr): $51,151 | Median Debt: $19,500

SAT Average: 1147 | ACT Midpoint: 23

Student Body Size: 10,074 (large)

Pell Grant Recipients: 32.8% | Federal Loan Rate: 37.1%

Average Faculty Salary: $10,181/month

Tuition & Affordability Analysis

In-state tuition at The University of Tennessee-Chattanooga is $10,448 per year, which is 4% below the national average for public institutions.

Out-of-state students pay $18,512/year — a premium of $8,064 over in-state rates. Over four years, out-of-state students pay approximately $32,256 more than their in-state peers.

Estimated four-year tuition cost: $41,792 (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 The University of Tennessee-Chattanooga:

  • Families earning $0–$30,000: $9,876/year
  • Families earning $30,001–$48,000: $10,919/year
  • Families earning $48,001–$75,000: $13,594/year
  • Families earning $75,001–$110,000: $17,374/year
  • Families earning $110,000+: $19,137/year

Low-income families receive an average discount of $572/year, paying just 95% of the sticker price.

Admissions Snapshot

The University of Tennessee-Chattanooga has an acceptance rate of 81.1%, placing it in the Less Selective (70–85%) category. This means roughly 3,106 students apply each year.

The University of Tennessee-Chattanooga accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

The average SAT score of admitted students is 1147, 8% above the national average. This is within the mid-range nationally.

The ACT midpoint is 23, 10% above the national average.

Graduate Outcomes & Return on Investment

51.6% of students at The University of Tennessee-Chattanooga complete their degree, 17% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 72.5% (10% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of The University of Tennessee-Chattanooga earn a median salary of $51,151 ten years after enrollment, 25% above the national average. This represents a $16,151/year earnings premium over the average high school diploma holder, or $484,530 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $19,500, 9% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $212/month, with a total repayment of $25,440 (including $5,940 in interest).

Debt-to-Earnings Ratio: 0.38x. 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 The University of Tennessee-Chattanooga pays for itself in approximately 3 years. This is an excellent return on investment.

Financial Aid Profile

32.8% of students at The University of Tennessee-Chattanooga receive Pell Grants (federal need-based aid for families earning under ~$60,000), near the national average. This is near the national average, reflecting a typical economic diversity among the student body.

37.1% of students take federal loans, 21% below the national average. This is a moderate borrowing rate.

Average faculty salary: $10,181/month, 17% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

The University of Tennessee-Chattanooga enrolls 10,074 undergraduate students. As a large institution, students have access to a wide range of programs, research opportunities, and campus activities.

Diversity Index: 44/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 74%, Hispanic 7%, Black 10%, Asian 3%.

The University of Tennessee-Chattanooga: A Cost-Effective Public Institution with Room for Improvement in Graduation Rates

Report Card: Overall Grade C

The University of Tennessee-Chattanooga receives an overall grade of C based on six dimensions:

  • Academics: D
  • Value: C
  • Outcomes: C+
  • Affordability: C+

College Analysis

The University of Tennessee-Chattanooga is a Public institution in Chattanooga, TN with approximately 10,074 students. Academics: Offers a wide range of programs including engineering, business, and health sciences. Value: High affordability score, making it a cost-effective choice for out-of-state students. Outcomes: Graduates have a median earning potential of $51,151 after 10 years, but graduation rate is below average.

The Verdict: Is The University of Tennessee-Chattanooga Worth It?

The University of Tennessee-Chattanooga presents a solid, if not spectacular, value proposition, particularly for in-state students. With an in-state tuition of $10,448 and a median 10-year earning potential of $51,151, the return on investment (ROI) score of 22 suggests a reasonable financial outcome. The median debt of $19,500 is also relatively manageable. For an in-state student, the initial investment for four years of tuition would be around $41,792. Based on the median earnings, it would take approximately 4.5 years of post-graduation earnings (assuming all earnings go towards debt repayment and tuition costs) to recoup the initial tuition investment, not accounting for living expenses or interest. This is a decent payoff timeline. However, out-of-state students face a significantly higher cost, making the value proposition weaker unless substantial scholarships are awarded. Overall, UTC appears to be a good deal for Tennessee residents seeking an affordable public education with a respectable career outlook, especially if they leverage the local job market. For out-of-state students, careful consideration of financial aid is crucial.

Return on Investment

While the degree is worth the cost due to the strong focus on STEM fields and high affordability, the below-average graduation rate and median debt may be concerns.

Debt Reality Check

Median student debt at The University of Tennessee-Chattanooga: $19,500. Monthly payment on a standard 10-year plan: $221/month. Total repaid: $26,520 ($7,020 in interest).

Breakeven vs high school diploma: 0.9 years. Debt burden: Manageable. Salary needed for comfortable repayment: $26,520.

Strengths

  • Strong focus on STEM fields, particularly engineering.
  • Highly affordable tuition for out-of-state students.
  • Above-average admission rate.

Weaknesses

  • Below-average graduation rate.
  • Median debt is above the national average for public universities.
  • Limited options for humanities and arts programs.

Academic Profile

SAT Average: 1147. ACT Midpoint: 23. Retention Rate: 72.5%.

UTC's academic landscape is characterized by a strong commitment to undergraduate education, with a particular emphasis on programs that leverage its urban setting and regional strengths. The College of Engineering and Computer Science is a standout, offering sought-after degrees in areas like Mechanical Engineering and Computer Science, often with opportunities for hands-on projects and co-ops with local industry. The College of Business offers robust programs in Finance, Marketing, and Management, preparing students for careers in a competitive market. For those interested in the arts and sciences, departments like Psychology, English, and Biology provide solid foundations, with faculty actively engaged in research. Research opportunities are accessible, especially for upperclassmen, through faculty mentorship and programs like the UTC Summer Research Program. While specific faculty salary data isn't readily available, the university's public status suggests a commitment to competitive compensation to attract and retain quality educators. The student-faculty ratio, though not explicitly provided, is generally manageable at a university of this size, allowing for more personalized interaction. The UTC Honors Program offers a challenging curriculum and enriched experiences for high-achieving students, including priority registration and opportunities for independent study. Study abroad programs are available through various partnerships, allowing students to gain global perspectives. Academic support is robust, with the Center for Academic Enrichment providing tutoring, academic advising, and workshops to help students succeed.

Financial Aid Guide for The University of Tennessee-Chattanooga

Pell Grant recipients: 32.8%. Students taking federal loans: 37.1%.

Navigating financial aid at UTC involves understanding the mix of merit-based and need-based aid, alongside federal programs. As a public university, UTC offers competitive scholarships, particularly for Tennessee residents. Merit scholarships are often awarded automatically based on GPA and test scores (if submitted) at the time of admission, with ranges varying. For instance, Tennessee residents with strong academic profiles might see scholarships covering a significant portion of tuition, potentially reducing the in-state tuition of $10,448. Out-of-state students ($18,512 tuition) can also qualify for substantial merit awards that help bridge the cost gap. Need-based aid, determined by the FAFSA, is crucial. Pell Grant recipients, for example, will receive federal Pell Grants in addition to any state or institutional aid. UTC also participates in the Federal Work-Study program, offering part-time employment opportunities for students with demonstrated financial need, providing valuable work experience alongside earnings. Typical aid packages for students from lower-income households ($0-$30,000) might combine federal grants, state aid, and institutional scholarships to cover a large percentage of tuition and fees. Mid-range families ($50,000-$80,000) might receive a mix of merit scholarships and some need-based aid. Scholarship tips include applying early, exploring departmental scholarships, and looking for external scholarships. Negotiating aid at UTC is generally less common than at highly selective private institutions, but it's always worth a conversation with the financial aid office if you have a significant change in circumstances or a competing offer from a similarly ranked institution.

Hidden Costs at The University of Tennessee-Chattanooga

  • Room and board costs can range from approximately $9,000 to $12,000 annually, depending on the chosen meal plan and housing type.
  • Textbooks and course materials can add an estimated $1,000 to $1,500 per academic year.
  • Student fees, including technology and activity fees, typically amount to around $1,500 per year.
  • Transportation costs, especially for students commuting or frequently traveling home, can vary widely but budget at least $500-$1,000 annually.
  • Parking permits for students living off-campus or commuting can cost between $100 and $300 per semester.
  • Personal expenses, such as toiletries, entertainment, and miscellaneous supplies, should be budgeted at $1,500-$2,500 per year.
  • Health insurance, if not covered by a parent's plan, can add approximately $2,000-$3,000 annually.

Alumni Outcomes & Career Paths

Graduates from The University of Tennessee-Chattanooga (UTC) are positioned to enter a diverse job market, with many finding opportunities within the vibrant Chattanooga metropolitan area and beyond. Major employers that actively recruit UTC graduates include BlueCross BlueShield of Tennessee, a significant healthcare insurer, and Volkswagen Group of America, which has a major manufacturing plant nearby. Other key recruiters often hail from the healthcare sector, given UTC's strong nursing and health sciences programs, as well as the growing tech and advanced manufacturing industries in the region. Alumni tend to cluster in sectors such as healthcare administration, software development, advanced manufacturing, education, and finance. While specific graduate school placement rates are not readily available, UTC's programs in fields like psychology and education often see students pursue further academic study. Notable alumni include former Tennessee Governor Bill Haslam and actor Samuel L. Jackson, showcasing a range of career paths. UTC's Career and Professional Development office offers services like resume workshops, career counseling, and job fairs, aiming to connect students with employers. The university benefits from internship pipelines with local companies and organizations, providing practical experience. Geographic hiring patterns show a strong tendency for graduates to remain in Tennessee, particularly in the Chattanooga and Nashville areas, though opportunities in Atlanta, GA, are also accessible due to proximity.

Campus Life & Culture at The University of Tennessee-Chattanooga

UTC serves a diverse student body, with a significant portion hailing from Tennessee and surrounding states, though it attracts students from across the nation. The university fosters an inclusive environment where students who are engaged, community-minded, and appreciate the blend of urban and academic life tend to thrive. It's a place for students seeking a solid education with real-world connections in a dynamic city setting.

The University of Tennessee at Chattanooga (UTC) offers a vibrant campus life deeply intertwined with the dynamic city of Chattanooga itself. Nestled along the Tennessee River, the campus provides a blend of urban access and traditional collegiate atmosphere. With just over 10,000 students, UTC fosters a close-knit community where it's easy to find your niche. The student body is diverse, reflecting both the local region and a growing number of out-of-state students drawn to Chattanooga's charm and UTC's academic offerings. Mocs athletics are a significant part of campus spirit, with basketball and football games drawing enthusiastic crowds to the McKenzie Arena and Finley Stadium, respectively. Beyond sports, over 150 student organizations cater to a wide array of interests, from academic clubs and cultural groups to service organizations and intramural sports. Greek life is present and active, with several fraternities and sororities contributing to the social fabric through events and philanthropy. Housing options range from traditional residence halls like Johnson Hall and Vandergriff Hall for freshmen to apartment-style living for upperclassmen. The dining scene includes the main University Center cafeteria and various retail locations offering diverse options. A key aspect of the UTC experience is its integration with downtown Chattanooga. Students often take advantage of the city's renowned outdoor recreation opportunities, vibrant arts scene, and burgeoning culinary landscape, making the city itself an extension of the campus. The general 'vibe' is one of engaged learning within a supportive, community-focused environment that encourages students to explore both academic and personal interests.

Campus Highlights

  • The iconic "Mocs" mascot and strong athletic spirit, particularly in basketball and football.
  • Proximity to the Tennessee River and Lookout Mountain, offering unique outdoor recreation opportunities.
  • Integration with downtown Chattanooga, providing access to a vibrant urban culture, arts, and dining scene.
  • The historic Chamberlain Field, a central green space for student gatherings and relaxation.
  • The Hunter Museum of American Art, located just off campus, offering cultural enrichment.
  • A strong emphasis on community engagement and service-learning opportunities.
  • The "Mocs" Marching Band, a visible and energetic presence at campus events.

Location & Regional Advantages

UTC's location in Chattanooga, Tennessee, offers significant geographic advantages for students seeking career opportunities. Chattanooga boasts a burgeoning economy, particularly in advanced manufacturing, healthcare, and technology, with companies like Volkswagen, BlueCross BlueShield of Tennessee, and EPB (Electric Power Board) serving as major employers. The city has undergone a significant revitalization, transforming into a hub for outdoor recreation and innovation, which contributes to a high quality of life. The cost of living in Chattanooga is notably lower than in many larger metropolitan areas, making it an attractive place to start a career after graduation. While not a direct neighbor to a massive industry hub like Atlanta, Chattanooga's strategic position within the Southeast allows for relatively easy access to larger markets. The region experiences a temperate climate with four distinct seasons, and while like any city, it has areas with safety concerns, overall, it is considered a safe and welcoming environment. This combination of a growing local job market, affordability, and a desirable lifestyle creates a fertile ground for UTC graduates to launch and build their careers, with many finding fulfilling roles within the immediate region.

How to Get Into The University of Tennessee-Chattanooga

UTC's admission rate of 81.1% indicates a moderately selective environment, meaning a solid academic record is important, but the university aims to be accessible. The admissions office values a well-rounded application that demonstrates academic preparedness and potential for success. While specific GPA ranges aren't published, aiming for a GPA of 3.0 or higher on a 4.0 scale is advisable, with competitive applicants often exceeding this. Since SAT/ACT scores are not provided, the focus shifts heavily to high school coursework, GPA, and the overall application narrative. Essays are a key component; focus on topics that showcase your personality, resilience, or unique experiences. A narrative about overcoming a challenge, a passion project, or a significant learning experience can resonate well. Demonstrated interest is likely considered, so engaging with UTC through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can be beneficial. Early Action (EA) is available, allowing you to apply early and receive a decision without a binding commitment, which can be advantageous for planning. The recommended timeline is to have your application submitted well before the priority deadlines, typically in late fall or early winter for the following academic year, to maximize scholarship consideration and ensure a timely decision.

How The University of Tennessee-Chattanooga Compares to Similar Schools

Similar schools: The University of Alabama, Auburn University, The University of Tennessee, Knoxville, Mississippi State University

Advantages

  • More affordable in-state tuition compared to some larger flagship universities in the region.
  • Stronger focus on regional economic development and job placement within the Chattanooga area.
  • Smaller class sizes in many programs, potentially offering more personalized attention.

Disadvantages

  • Lower overall national ranking and brand recognition compared to flagship institutions like UT Knoxville.
  • Fewer extensive research opportunities and graduate program offerings.
  • Potentially less diverse alumni network and fewer national/international recruitment pipelines.

Best For

  • Students interested in highly specialized or research-intensive programs may find more options at larger, more research-focused institutions.
  • Students seeking a higher graduation rate might consider institutions with a higher success rate in their chosen field.

Avoid If

  • Students looking for a more personalized experience with smaller class sizes may find The University of Tennessee-Chattanooga less suitable.
  • Students with a strong focus on humanities or arts may find the curriculum less aligned with their interests.

Frequently Asked Questions about The University of Tennessee-Chattanooga

How much does it cost to attend The University of Tennessee-Chattanooga?

In-state tuition at The University of Tennessee-Chattanooga is $10,448 per year, and out-of-state tuition is $18,512 per year. The median student debt at graduation is $19,500.

What is the acceptance rate at The University of Tennessee-Chattanooga?

The University of Tennessee-Chattanooga has an acceptance rate of 81.1%.

What is the graduation rate at The University of Tennessee-Chattanooga?

The University of Tennessee-Chattanooga has a graduation rate of 51.6%.

How much do The University of Tennessee-Chattanooga graduates earn?

The median earnings for The University of Tennessee-Chattanooga graduates 10 years after enrollment is $51,151. With median debt of $19,500, graduates earn roughly 2.6x their debt level annually.

How big is The University of Tennessee-Chattanooga?

The University of Tennessee-Chattanooga has approximately 10,074 students and is classified as a large institution. It is located in Chattanooga, TN and is a Public institution.

Is The University of Tennessee-Chattanooga worth the cost?

The University of Tennessee-Chattanooga has an ROI score of 22 out of 100. With in-state tuition of $10,448 per year and median post-graduation earnings of $51,151, the data suggests the return on investment may be below average.

Where is The University of Tennessee-Chattanooga located?

The University of Tennessee-Chattanooga is located in Chattanooga, TN. It is a Public institution with approximately 10,074 students.

How much student debt do The University of Tennessee-Chattanooga graduates have?

The median student debt for The University of Tennessee-Chattanooga graduates is $19,500. With median earnings of $51,151 ten years after enrollment, graduates can expect a debt-to-income ratio of 38%.

Is The University of Tennessee-Chattanooga a good college?

The University of Tennessee-Chattanooga has a graduation rate of 51.6% and median post-graduation earnings of $51,151. Highly diverse student body with a significant white population.

How does The University of Tennessee-Chattanooga compare to similar colleges?

Strong focus on STEM fields with notable engineering programs. Compared to peer institutions, The University of Tennessee-Chattanooga offers a more affordable education with a strong focus on STEM fields, but its graduation rate lags behind.

What career prospects do The University of Tennessee-Chattanooga graduates have?

Graduates from The University of Tennessee-Chattanooga are well-positioned for careers in engineering, healthcare, and business, with a strong earning potential.

What should prospective students know about The University of Tennessee-Chattanooga?

The University of Tennessee-Chattanooga is well-suited for students seeking a cost-effective education with a strong emphasis on STEM fields, particularly in engineering and healthcare.

What makes The University of Tennessee-Chattanooga stand out?

Above-average admission rate indicating a broad range of admitted students.

What are the pros and cons of attending The University of Tennessee-Chattanooga?

Median debt is below the national average for public universities.

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