CollegeTuitionData — College Data in Plain English

University of the Cumberlands

Williamsburg, KY 40769 — Private Nonprofit

Value Score: 65/100 | ROI Score: 14 | Affordability Score: 90/100

Tuition (In-State): $9,875 | Out-of-State: $9,875

Acceptance Rate: 98.8% | Graduation Rate: 48.4% | Retention Rate: 74.3%

Median Earnings (10yr): $45,036 | Median Debt: $14,911

ACT Midpoint: 21

Student Body Size: 6,941 (medium)

Pell Grant Recipients: 53.4% | Federal Loan Rate: 67.9%

Average Faculty Salary: $6,548/month

Tuition & Affordability Analysis

In-state tuition at University of the Cumberlands is $9,875 per year, which is 75% below the national average for private institutions.

Out-of-state students pay $9,875/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: $39,500 (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 University of the Cumberlands:

  • Families earning $0–$30,000: $10,736/year
  • Families earning $30,001–$48,000: $11,147/year
  • Families earning $48,001–$75,000: $12,572/year
  • Families earning $75,001–$110,000: $16,441/year
  • Families earning $110,000+: $18,846/year

Admissions Snapshot

University of the Cumberlands has an acceptance rate of 98.8%, placing it in the Open Admission (85%+) category. This means roughly 1,756 students apply each year.

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

The ACT midpoint is 21, near the national average.

Graduate Outcomes & Return on Investment

48.4% of students at University of the Cumberlands complete their degree, 22% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 74.3% (8% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of University of the Cumberlands earn a median salary of $45,036 ten years after enrollment, 10% above the national average. This represents a $10,036/year earnings premium over the average high school diploma holder, or $301,080 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $14,911, 31% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $162/month, with a total repayment of $19,440 (including $4,529 in interest).

Debt-to-Earnings Ratio: 0.33x. 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 University of the Cumberlands pays for itself in approximately 4 years. This is an excellent return on investment.

Financial Aid Profile

53.4% of students at University of the Cumberlands receive Pell Grants (federal need-based aid for families earning under ~$60,000), 62% above the national average. This high Pell rate indicates the school serves a large proportion of lower-income students and likely has strong need-based aid programs.

67.9% of students take federal loans, 44% above the national average. This high borrowing rate means most students need loans to attend. Factor loan payments into your decision carefully.

Average faculty salary: $6,548/month, 25% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

University of the Cumberlands enrolls 6,941 undergraduate students. As a large institution, students have access to a wide range of programs, research opportunities, and campus activities.

Diversity Index: 34/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 81%, Hispanic 3%, Black 5%, Asian 1%.

University of the Cumberlands: Medium-Sized Private Nonprofit Institution

Report Card: Overall Grade C+

University of the Cumberlands receives an overall grade of C+ based on six dimensions:

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

College Analysis

University of the Cumberlands is a Private Nonprofit institution in Williamsburg, KY with approximately 6,941 students. Academics: University of the Cumberlands has a high admission rate, suggesting a strong acceptance policy. Value: The university offers a relatively low tuition rate, making it affordable for in-state and out-of-state students. Outcomes: Graduates have a median earnings of $45,036 after 10 years, which is below the national average.

The Verdict: Is University of the Cumberlands Worth It?

The University of the Cumberlands presents a compelling value proposition, particularly for students prioritizing affordability and a supportive educational environment. With a median debt of $14,911 and median 10-year earnings of $45,036, the return on investment (ROI) score of 14 suggests a solid, albeit not spectacular, financial outcome. The total cost of attendance, with in-state and out-of-state tuition being the same at $9,875, is remarkably low compared to many private institutions. This low tuition, combined with the manageable debt, means graduates can expect to pay off their loans relatively quickly, likely within 3-5 years based on typical income and repayment plans. While the median earnings are modest, they are competitive within the regional job market. The university's strength lies in its accessibility and affordability, making it a potentially hidden gem for students who might be priced out of other private institutions. For individuals seeking a cost-effective education with a clear path to regional employment or further study, UC offers a good deal. Recommendation: University of the Cumberlands is a good value for students seeking an affordable private education with a focus on regional career opportunities.

Return on Investment

While the tuition is low, the lower earnings potential may not justify the cost for some students.

Debt Reality Check

Median student debt at University of the Cumberlands: $14,911. Monthly payment on a standard 10-year plan: $169/month. Total repaid: $20,280 ($5,369 in interest).

Breakeven vs high school diploma: 1 years. Debt burden: Low. Salary needed for comfortable repayment: $20,280.

Strengths

  • Affordable tuition
  • High admission rate
  • Strong focus on accessibility

Weaknesses

  • Lower median earnings
  • Graduation rate below national average

Academic Profile

ACT Midpoint: 21. Retention Rate: 74.3%.

University of the Cumberlands boasts a broad range of academic programs, with particular strengths in areas that align with regional needs and student interests. While specific departmental rankings are not readily available, programs in Education, Business Administration, and Health Sciences are consistently popular and well-regarded. The university offers numerous undergraduate and graduate degrees, reflecting a commitment to providing accessible pathways for lifelong learning. Research opportunities, while perhaps not as extensive as at large R1 institutions, are available, particularly for motivated students seeking to engage with faculty on specific projects. Faculty quality can be inferred from the university's commitment to providing personalized attention; with a student-faculty ratio that is likely favorable given its size and private status, students can expect more direct interaction with professors. The university also offers an Honors Program for high-achieving students, providing enriched academic experiences and opportunities for advanced study. Study abroad programs, though potentially less diverse than at larger universities, are available and encourage global perspectives. Academic support resources are robust, including tutoring services, writing centers, and academic advising, all designed to help students navigate their coursework and achieve their academic goals. Specific program names to note include the Bachelor of Science in Nursing, the Master of Business Administration, and various education certifications.

Financial Aid Guide for University of the Cumberlands

Pell Grant recipients: 53.4%. Students taking federal loans: 67.9%.

Navigating financial aid at the University of the Cumberlands involves understanding both merit-based and need-based opportunities. Given its private, nonprofit status, UC is committed to making education accessible through a variety of aid packages. Merit scholarships are a significant component, awarded based on academic achievement, including GPA and ACT scores (though specific score ranges are not provided, strong academic profiles are key). These can range from a few thousand dollars to covering a substantial portion of tuition. Need-based aid, determined by the FAFSA, is also crucial. For families with an Expected Family Contribution (EFC) below $10,000, federal Pell Grants and state grants can significantly reduce the out-of-pocket cost, potentially bringing the net tuition closer to the $5,000-$7,000 range after grants. Federal student loans are widely available, with undergraduate students typically eligible for up to $12,500 per year. Work-study opportunities are also offered, providing on-campus employment for students demonstrating financial need. Typical aid packages for students from lower-income backgrounds (EFC under $5,000) might combine Pell Grants, state aid, institutional grants, and federal loans, potentially covering most of the tuition and fees. For middle-income families, merit scholarships combined with federal loans might be the primary sources of aid. Negotiating aid at UC is generally less common than at highly selective institutions, but presenting a strong case with external scholarship offers or significant changes in financial circumstances can sometimes lead to a review of the aid package. Scholarship tips include applying early, researching external scholarships specific to Kentucky residents or chosen fields of study, and thoroughly completing the FAFSA.

Hidden Costs at University of the Cumberlands

  • Room and board costs can add an estimated $8,000 to $12,000 per academic year, depending on the chosen meal plan and housing type.
  • Textbooks and course materials can range from $800 to $1,200 annually, with digital options sometimes offering savings.
  • Student activity fees, technology fees, and other miscellaneous campus fees can total around $500 to $1,000 per year.
  • Transportation costs, especially for students commuting or traveling home frequently, can add $500 to $2,000 annually.
  • Parking permits for students with vehicles typically cost between $100 and $300 per year.
  • Personal expenses, including toiletries, entertainment, and incidental purchases, can easily amount to $1,500 to $3,000 per year.
  • Health insurance, if not covered by a parent's plan, can add an estimated $2,000 to $4,000 annually.

Alumni Outcomes & Career Paths

Graduates from the University of the Cumberlands (UC) embark on diverse career paths, with many finding opportunities within regional healthcare systems, educational institutions, and local government. While specific major employer data for UC is not publicly detailed, common hiring sectors for graduates in this region include healthcare providers like Baptist Health Corbin, school districts such as Whitley County Schools, and various state and local government agencies. The university's strong emphasis on education and nursing programs often leads alumni into roles within these fields. For those pursuing graduate studies, UC reports strong placement rates, particularly for students entering advanced nursing, counseling, and education programs. Notable alumni are less frequently highlighted in national profiles, but the university fosters a strong sense of community, suggesting a robust internal network. The Career Services department at UC is dedicated to assisting students with resume building, interview preparation, and connecting them with potential employers. While not a large research university with extensive internship pipelines to major national corporations, UC facilitates local and regional internship opportunities, particularly in healthcare and education settings, which can serve as direct entry points into the local job market. Geographic hiring patterns show a significant concentration of alumni remaining within Kentucky and surrounding Appalachian states, leveraging their education in familiar communities.

Campus Life & Culture at University of the Cumberlands

The student body at the University of the Cumberlands is predominantly from Kentucky and surrounding Southern states, reflecting its regional focus. While diversity is growing, the university tends to attract students who value a close-knit community and a supportive, values-driven environment. Students who thrive here are often those seeking a traditional college experience with strong faculty mentorship and opportunities for involvement in athletics and campus life.

University of the Cumberlands, nestled in Williamsburg, Kentucky, offers a distinct campus experience rooted in its Appalachian setting and a strong sense of community. With a student body of nearly 7,000, UC fosters a vibrant, albeit somewhat traditional, campus life. The university emphasizes a Christian worldview, which permeates many aspects of student life, from chapel services to student organizations. You'll find a variety of clubs and activities catering to diverse interests, including academic clubs, service organizations, and intramural sports. The campus itself is picturesque, with rolling hills and a central lake, providing a serene backdrop for student life. Housing options range from traditional dormitories to apartment-style living, ensuring a comfortable fit for most students. Dining services offer a range of choices, with the main dining hall being a central hub for social interaction. While Greek life is present, it's not the dominant force it might be at larger institutions, allowing for a broader social scene. Athletics are a significant part of the UC culture, with strong support for their NAIA teams, particularly in sports like football, basketball, and wrestling. The 'vibe' is generally friendly and close-knit, with students often describing a supportive atmosphere where faculty and staff are accessible and invested in their success. Campus traditions, like Homecoming and various holiday events, further strengthen this sense of belonging.

Campus Highlights

  • Scenic Appalachian setting with a beautiful central lake.
  • Strong emphasis on Christian values and community service.
  • Vibrant NAIA athletic programs with dedicated fan support.
  • Numerous student organizations fostering diverse interests.
  • Accessible faculty and staff committed to student success.
  • A range of housing options from traditional dorms to apartments.
  • Commitment to affordability and accessible education.

Location & Regional Advantages

Located in Williamsburg, Kentucky, the University of the Cumberlands benefits from a setting that offers a distinct quality of life and a strong sense of community. The immediate local job market is modest but stable, with key sectors including healthcare, education, and public service. Proximity to larger economic centers like Knoxville, Tennessee (approximately 75 miles away), provides students with access to a broader range of industries and potential employers, including those in advanced manufacturing, logistics, and technology. The cost of living in Williamsburg is significantly lower than the national average, making the overall financial burden of attending and living post-graduation more manageable. This affordability is a major draw for students seeking to minimize debt. The region's natural beauty, characterized by the Daniel Boone National Forest and the Cumberland Mountains, offers abundant outdoor recreational opportunities, appealing to those who value a connection with nature. While the weather includes distinct seasons with cold winters and warm summers, the overall environment is generally safe and family-friendly. For career opportunities, the location necessitates a willingness to either establish roots in the Appalachian region, contributing to its development, or to leverage the foundational education at UC to pursue opportunities in larger metropolitan areas, often facilitated by internships and networking.

How to Get Into University of the Cumberlands

Applying to the University of the Cumberlands is a straightforward process, given its high admission rate of 98.8%. This suggests that the university is focused on providing access to higher education for a broad range of students. While there isn't a significant advantage to applying Early Decision (ED) or Early Action (EA) in terms of selectivity, applying by the priority deadlines for scholarships is highly recommended. The admissions office likely values a student's commitment to the university's mission and their potential to contribute to the campus community. While specific GPA and test score ranges are not provided, a strong high school record and a decent ACT score (if submitted) will certainly strengthen an application. The essay, if required or optional, should focus on personal growth, aspirations, and how the student aligns with the university's values. Demonstrated interest is likely considered, so engaging with admissions counselors, attending virtual or in-person information sessions, and visiting campus can be beneficial. The timeline should involve completing the FAFSA and any scholarship applications by early spring (e.g., March 1st) to maximize financial aid opportunities, with the general application deadline typically in late summer.

How University of the Cumberlands Compares to Similar Schools

Similar schools: Alice Lloyd College, Berea College, Cumberland College (now University of the Cumberlands), Transylvania University

Advantages

  • Uniformly low tuition for in-state and out-of-state students, making it highly accessible.
  • Strong emphasis on practical, career-oriented programs, particularly in healthcare and education.
  • Significant focus on community and student support services.

Disadvantages

  • Lower median graduate earnings compared to some more selective private institutions.
  • Limited national brand recognition, which can impact job prospects in highly competitive, out-of-state markets.
  • Lower graduation rate suggests potential challenges with student retention or program completion for some.

Best For

  • Students looking for high-earning potential may want to consider other institutions.
  • Prospective students interested in a diverse student body should consider other options.

Avoid If

  • Students seeking a highly selective institution with a low admission rate should avoid this college.
  • Students with a high tolerance for debt may want to explore other options.

Frequently Asked Questions about University of the Cumberlands

How much does it cost to attend University of the Cumberlands?

In-state tuition at University of the Cumberlands is $9,875 per year, and out-of-state tuition is $9,875 per year. The median student debt at graduation is $14,911.

What is the acceptance rate at University of the Cumberlands?

University of the Cumberlands has an acceptance rate of 98.8%.

What is the graduation rate at University of the Cumberlands?

University of the Cumberlands has a graduation rate of 48.4%.

How much do University of the Cumberlands graduates earn?

The median earnings for University of the Cumberlands graduates 10 years after enrollment is $45,036. With median debt of $14,911, graduates earn roughly 3.0x their debt level annually.

How big is University of the Cumberlands?

University of the Cumberlands has approximately 6,941 students and is classified as a medium institution. It is located in Williamsburg, KY and is a Private Nonprofit institution.

Is University of the Cumberlands worth the cost?

University of the Cumberlands has an ROI score of 14 out of 100. With in-state tuition of $9,875 per year and median post-graduation earnings of $45,036, the data suggests the return on investment may be below average.

Where is University of the Cumberlands located?

University of the Cumberlands is located in Williamsburg, KY. It is a Private Nonprofit institution with approximately 6,941 students.

How much student debt do University of the Cumberlands graduates have?

The median student debt for University of the Cumberlands graduates is $14,911. With median earnings of $45,036 ten years after enrollment, graduates can expect a debt-to-income ratio of 33%.

Is University of the Cumberlands a good college?

University of the Cumberlands has a graduation rate of 48.4% and median post-graduation earnings of $45,036. High white student population (81.23%)

How does University of the Cumberlands compare to similar colleges?

Low median debt ($14,911) Compared to peer institutions, University of the Cumberlands offers a lower tuition rate and a high admission rate, but graduates earn less than the national average.

What career prospects do University of the Cumberlands graduates have?

Graduates are well-positioned for entry-level positions in various fields, but may need additional training or experience to compete for higher-paying jobs.

What should prospective students know about University of the Cumberlands?

University of the Cumberlands is well-suited for students seeking an affordable education with a strong focus on accessibility.

What makes University of the Cumberlands stand out?

Graduation rate of 48.43%

What are the pros and cons of attending University of the Cumberlands?

Medium-sized institution with 6,941 students

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