Published tuition is $4,730 in-state and $17,714 out-of-state, with a full cost of attendance of $14,385 a year. After aid, families pay between $5,974 and $12,195 depending on income.
| Household income | Net price a year | Share of the sticker price |
|---|---|---|
| Under $30,000 | $6,326 | 44% |
| $30,001–$48,000 | $5,974 | 42% |
| $48,001–$75,000 | $7,746 | 54% |
| $75,001–$110,000 | $9,688 | 67% |
| Over $110,000 | $12,195 | 85% |
Net price is the federal measure of what students actually pay: total cost of attendance minus the grant and scholarship aid they receive. It is the only cost figure worth comparing between universities — the published tuition above is a list price that most students never pay in full.
A high Pell share means the university enrols many lower-income students, and usually that its net price for those families is well below the sticker price. A high loan share means the gap between aid and cost is being filled with borrowing — the repayment record shows how that works out afterwards.
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| University | In-state | Out-of-state | Cost of attendance | Net price (under $30k) |
|---|---|---|---|---|
| University of Tennessee at Chattanooga | $10,448 | $18,512 | $25,489 | $9,876 |
| Bethel University | $18,712 | $18,712 | $31,203 | $11,871 |
| University of Tennessee, Martin | $10,560 | $16,600 | $23,079 | $7,151 |
| Tennessee Technological University | $11,376 | $15,576 | $25,663 | $9,815 |
| University of Memphis | $10,728 | $15,384 | $25,169 | $10,607 |
| Austin Peay State University | $9,006 | $14,766 | $22,233 | $7,588 |
Source: US Department of Education College Scorecard. Tuition and cost of attendance are as reported by the institution; net price is the average paid by students receiving federal aid, by household income band. Figures imported 28 Aug 2026.