Head-to-head comparison
The University of Tennessee-Chattanooga vs Cumberland University: which has better ROI?
Option A Chattanooga, TN
The University of Tennessee-Chattanooga
- Net price / year
- $14,265
- Earnings, 10 years
- $51,151
- Payback
- 20.4 yrs
Option B Lebanon, TN
Cumberland University
- Net price / year
- $18,759
- Earnings, 10 years
- $57,687
- Payback
- 8 yrs
Cumberland University has the better ROI: it clears its 4-year net cost of $75,036 in 8 years versus 20.4 years at The University of Tennessee-Chattanooga, on median earnings of $57,687 vs $51,151 ten years out. (Scorecard, 2026 · our math.)
| Measure | The University of Tennessee-Chattanooga | Cumberland University |
|---|---|---|
| Net price / yr | $14,265 | $18,759 |
| Total net cost | $57,060 | $75,036 |
| Median earnings, 10 yrs | $51,151 | $57,687 |
| Median debt | $19,500 | $17,952 |
| Payback | 20.4 yrs | 8 yrs |
| 20-year net return | -$1,240 | $111,504 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, The University of Tennessee-Chattanooga or Cumberland University?
The University of Tennessee-Chattanooga, at $14,265 a year after aid versus $18,759 — a gap of $4,494 a year, or $17,976 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do The University of Tennessee-Chattanooga or Cumberland University graduates earn more?
Cumberland University graduates report a median $57,687 ten years after entry, $6,536 more than the $51,151 at The University of Tennessee-Chattanooga. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
The short answer
Which leaves students with less debt, The University of Tennessee-Chattanooga or Cumberland University?
Cumberland University: its completers carry a median $17,952 in federal loans versus $19,500 at The University of Tennessee-Chattanooga, a difference of $1,548. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
The short answer
Which graduates more of its students?
50% of students finish at The University of Tennessee-Chattanooga, against 46% at Cumberland University. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.