Chattanooga, TN · Public · Every figure is for a student starting in fall 2027. We work each one out again whenever we update the site.
How to pay for University of Tennessee at Chattanooga
What a year costs here, what brings it down, and what a SmartTuition plan could save a family like yours.
Paying for four years here
Four years here, after grants
$74,543
A SmartTuition plan could save a family like this about $4,500.
A SmartTuition plan shows what to pay from where, each semester, using your own numbers.
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A family of four with good credit and $500 a month for college. How we worked these out ↓
A year at University of Tennessee at Chattanooga
| Full price, in state | $27,028 |
| Full price, out of state | $35,583 |
| After grants, at your income | $17,395 |
At this income, 5 of Tennessee's other 18 colleges cost less after grants, and 13 cost more. See them all →
What can bring it down
University of Tennessee at Chattanooga's promise. UT Promise: tuition and mandatory fees covered, after other aid, for Tennessee residents with a family income of $75,000 or less, for the fall 2027 class. The conditions ↓
Pay less for college
A SmartTuition plan shows what to pay from where, each semester.
At University of Tennessee at Chattanooga, our scenarios for Tennessee households with good parent credit show a SmartTuition plan saving a median of about $6,300 over four years. How we worked this out ↓
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UT Promise: tuition and mandatory fees covered, after other aid, for Tennessee residents with a family income of $75,000 or less, for the fall 2027 class
Household income up to $75,000. Covers tuition, fees.
- For a Tennessee resident who qualifies for the Tennessee HOPE Scholarship, has a family adjusted gross income of $75,000 or less and total assets of $75,000 or less. It pays what is left of tuition and mandatory fees after Pell, HOPE and other aid, with a minimum of $500 a semester. It does not cover books, housing or meals. A high school senior applies by December 15 for the next fall, files the FAFSA, and enrolls full time. The assets test cannot be checked from a family’s figures here.
“UT Promise is a last-dollar scholarship, meaning it covers any remaining tuition and mandatory fees after other public financial aid—like federal Pell Grants—has been applied. Family household income must be $75,000 or less based on adjusted gross income and a total maximum asset amount of $75,000 or less.”
How we worked these out
The family
A family of four with good parent credit and $500 a month to put toward college, and the savings you pick. In state, the grants are what University of Tennessee at Chattanooga reports families at that income got, on average. Your own will differ, and a family with no aid pays close to the full price. Out of state, there are no grants: the price is before any scholarship from the college.
What a SmartTuition plan saves
The difference, over four years, between a SmartTuition plan and the standard approach: savings first, then loans for the rest. It counts loan interest and the federal tax credit.
The $6,300 in the “Pay less for college” box near the top of this page is the median saving in University of Tennessee at Chattanooga's own scenarios. Each scenario is a household that lives in Tennessee, with an income from $45,000 to $200,000 and savings of none, $40,000 or $100,000 in a 529. We price University of Tennessee at Chattanooga at the aid it reports for that income.
Every scenario has parents with good credit and $500 a month toward college. The card above uses the same two. A scenario where the parents would borrow more than $65,000 is left out.
The prices by income
- They describe students who got aid.
- “Over $110,000” has no upper limit, so it averages families just over $110,000 with far wealthier ones. A family at $115,000 should expect to pay less than it shows.
- Each range is reported on its own, so the prices do not always rise with income.
Where the prices come from
Where the prices come from: University of Tennessee at Chattanooga's own 2026-27 tuition, fees, housing, food and books, from its website, carried forward to 2027 at 3.0% a year. The grants are the U.S. Department of Education's College Scorecard (2025-26 figures), carried forward the same way. Each price after grants is the cost less those grants. The out-of-state figure uses the published out-of-state tuition instead. The average price after grants counts the students who get federal aid. Your own figure will be different.
SmartTuition.ai is not affiliated with, endorsed by, or sponsored by University of Tennessee at Chattanooga. Aid policies change; check current terms with the college's aid office.
Nearby at your income
- East Tennessee State University$15,666 a year
- Middle Tennessee State University$17,177 a year
- University of Tennessee at Chattanooga$17,395 a year
- University of Tennessee, Knoxville$18,163 a year
- Trevecca Nazarene University$18,216 a year
What each college charges, less the average grant for your income. Every Tennessee college →