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Is The University of Tennessee-Chattanooga worth it?
A first pass affordability and outcome read for The University of Tennessee-Chattanooga, using national average inputs. Run your own numbers for a personalized score.
Worth-It Score
Workable
The University of Tennessee-Chattanooga lands in the workable band for a typical family. Median debt of $18,500 can be carried by median long-run earnings of $56,442, but the margin is not huge. For context, The University of Tennessee-Chattanooga's net price is about 5% above the typical 4-year, public school. This is the kind of school where your actual aid offer can move the answer meaningfully.
Is the price fair?
Compared to 774 similar 4-year, public schools
This school
$13,801
/yrAverage school like this
$13,155
/yrNet price is slightly above average
You'd pay about $647 more per year than the typical student at a similar school. Over 4 years that's roughly $3,000 in extra cost.
Score breakdown
The public version of the score weighs affordability, after graduation outcomes, and repayment burden.
Affordability
40% weight
The yearly net price sits in a range that leaves more room for family cash flow and lower borrowing.
Outcome
40% weight
The outcome data does not create enough margin to fully offset the cost.
Repayment
20% weight
Median debt stays in a more comfortable repayment range for a typical graduate.
The numbers behind the score
Median net price per year
$15,026
Median earnings 10 years out
$56,442
Median debt at graduation
$18,500
Graduation rate
53%
At The University of Tennessee-Chattanooga, a typical graduate carries about $18,500 in student debt and earns roughly $56,442 ten years after enrolling. On a standard 10-year repayment plan, that works out to about $210 per month, or 4% of pre-tax income. That sits inside a borrower comfort range for many graduates.
How earnings compare to a high school diploma
Graduates earn $26,833 more than the typical working high school graduate in Tennessee ($29,609) ten years after entering this school. A federal rule finalized in July 2026 ties each undergraduate program's federal loan eligibility to a comparison like this one, with the first calculations expected in 2027.
The national figure is $31,269. The Department of Education uses it instead of the state figure when fewer than half of a school's students come from its state.
80% of former students here earned more than the typical high school graduate ten years after entry, by College Scorecard's own measure.
Context, not a federal determination. The benchmarks are the Department of Education's published thresholds (2024 notice, based on 2022 Census data); thresholds under the 2026 rule have not been released yet. The official test looks at each program's graduates four years after completion; our figure is College Scorecard's median for the whole school, ten years after entry. How this works
Program earnings vs. the federal benchmark
Median earnings of working graduates four years after finishing each undergraduate program, next to the benchmark the federal earnings test uses: the typical working high school graduate aged 25–34 in Tennessee ($29,609).
Liberal Arts and Sciences, General Studies and Humanities
Bachelor's degree · 22 working graduates counted
$34,020
$4,411 above the benchmark
Fine and Studio Arts
Bachelor's degree · 44 working graduates counted
$37,293
$7,684 above the benchmark
Linguistic, Comparative, and Related Language Studies and Services
Bachelor's degree · 20 working graduates counted
$42,031
$12,422 above the benchmark
Social Sciences, Other
Bachelor's degree · 34 working graduates counted
$43,858
$14,249 above the benchmark
Psychology, General
Bachelor's degree · 157 working graduates counted
$44,700
$15,091 above the benchmark
English Language and Literature, General
Bachelor's degree · 54 working graduates counted
$45,253
$15,644 above the benchmark
Natural Resources Conservation and Research
Bachelor's degree · 41 working graduates counted
$45,955
$16,346 above the benchmark
Teacher Education and Professional Development, Specific Levels and Methods
Bachelor's degree · 197 working graduates counted
$46,029
$16,420 above the benchmark
Communication and Media Studies
Bachelor's degree · 128 working graduates counted
$48,212
$18,603 above the benchmark
Social Work
Bachelor's degree · 56 working graduates counted
$48,410
$18,801 above the benchmark
18 other undergraduate programs here have no four-year earnings figure, usually because too few graduates were counted to publish one. That says nothing about how those programs do. See every program on College Scorecard
An estimate, not an official determination. Under a federal rule taking effect July 1, 2027, programs below this benchmark in official results may face limits on federal student loans; Pell Grants are not affected. The official test uses finer program categories, different graduating classes and the Department's own records; its first results are expected in 2027. Programs that train for tipped jobs, such as cosmetology and massage, won't be rated on 2025 earnings, and the Department decides which programs qualify. Earnings: College Scorecard field-of-study data (released Oct 15, 2026). Benchmark: Department of Education published thresholds (2024 notice).
Represent The University of Tennessee-Chattanooga and think a figure here is wrong? Request a correction and we'll check it against the latest College Scorecard release.
What this means for your family
The University of Tennessee-Chattanooga is a public four year school in Chattanooga, TN. For many families, the key question is whether the published value here beats cheaper in state or regional alternatives once your real aid offer arrives.
Similar schools worth comparing
These schools share a similar sector, geography, or price range.
Public 4-year
East Tennessee State
Johnson City, TN
Worth-It Score: 63/100
Median net price: $14,208
Public 4-year
Tennessee Technological
Cookeville, TN
Worth-It Score: 63/100
Median net price: $16,830
Public 4-year
The University of Tennessee-Knoxville
Knoxville, TN
Worth-It Score: 77/100
Median net price: $18,314
Public 4-year
Middle Tennessee State
Murfreesboro, TN
Worth-It Score: 67/100
Median net price: $12,562
Public 4-year
University of Memphis
Memphis, TN
Worth-It Score: 66/100
Median net price: $12,192
Common questions about The University of Tennessee-Chattanooga
The median net price at The University of Tennessee-Chattanooga is $15,026 per year. That is the average yearly price after typical grant aid for students in the public federal data, not the published sticker price.
Get your personalized Worth-It score
National averages are a starting point. Plug in your actual aid offer, intended major, and family situation to get a score that reflects your specific picture.
Looking at public universities options in Tennessee? See the most affordable public universities in Tennessee →
The Worth-It Score weighs affordability (40%), after graduation outcomes (40%), and repayment burden (20%). Underlying data points come from publicly available federal higher education reporting. See full methodology →
What families actually paid
The published price is rarely what anyone pays. Pick a household income range to see what students at The University of Tennessee-Chattanooga in that range paid on average, after grants and scholarships.
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All students who received aid
$15,026a year, on average
Average for first-time, full-time students who received federal financial aid, 2024-25. It does not include transfer or part-time students, and it is an average rather than a quote — what you pay depends on your own circumstances and the aid this school offers you. Source: U.S. Department of Education, IPEDS.
Now work out how to pay for it, cheapest money first.
A Worth-It Score tells you whether the price is justified. The 2026-27 funding guide covers the borrowing order, what changed on July 1, 2026, and the current limits.
Open the 2026-27 funding guide →