Financial aid can be complicated, but our team at Cumberlands works to make it manageable for you

The first step for every student is to complete the Free Application for Federal Student Aid (FAFSA). Complete this form as soon as possible when it open in December and make sure you use Cumberlands FAFSA Code: 001962. This application is for the upcoming academic year that starts the following fall. Some types of financial aid are on a first-come, first-serve basis and do run out before all eligible students are funded. While no date guarantees the availability of funds, the sooner you file the FAFSA, the better your chances of receiving all the aid for which you qualify.

Common Questions

Tuition varies depending on whether you are an online or in-seat student.  Regardless of your academic level, our students only pay for tuition and nothing else. 

  • Full time on campus undergraduate is $9,875 per year.  
  • Room and board costs $9,300 per year  
  • Online undergraduate is $220 per credit hour.  
  • Graduate program costs begin at $315 per credit hour. 

Yes! We recommend all eligible students fill out the FAFSA form. UC’s FAFSA code is 001962. The first step of applying for financial aid at UC is to complete the FAFSA form!  

  • $39,500 on campus 4-year degree without housing  
  • $76,700 on campus 4-year degree with housing  
  • $26,400 online 4-year degree.   
  • All these prices are before financial aid is considered.   
  • Lots of financial aid resources are available to help make your degree more affordable.   

Tuition is charged on a semester-by-semester basis. You can either pay when it is originally charged, enroll in a payment plan, or pay in installments if you pay in full on or before the due date.   

No! We offer payment plan options so that payments can be offered in manageable amounts rather than a lump sum all at once.   

Yes! We offer various academic, athletic, and music scholarships and financial aid like federal work-study.   

Yes, you can contact financial aid to request any and all information that you need to apply for financial aid and loans.   

Lots of different work study positions are offered within and outside of the university’s campus. From food service to library assistant, there is sure to be something that will help you both prepare for a future career and pay for college at the same time!  

98% of students at University of the Cumberlands receive financial aid. This is more than many other universities.   

No, your financial aid package will change based on your eligibility and needs determined by your FAFSA each year.  

There are two main types of student loans: federal and private. Federal loans are offered by the government and eligibility is determined by the FAFSA. Private loans are offered by private lenders, such as banks. With loans, you are given money to pay your tuition upfront, and you pay it back, typically with interest, to whoever lent you the money. Different loans function differently, it all depends on how your lender works.   

You apply for FAFSA by going to and creating your own FSA ID and password. You will have to complete the form from this website. You will be asked to enter personal, family information that is needed to determine your eligibility for federal, state, and in some cases, institutional financial aid. If there are circumstances preventing you from getting parental information, please reach out to your Enrollment Counselor for guidance.   

Grants are like scholarships in that they are money you are awarded that you do not have to pay back. Grants can be based on many different criteria, such as GPA, financial need, and location of you or your school. Grants that you qualify for are automatically awarded and factored into your financial aid package at UC. One example is a Federal Pell Grant, which is given to students based on financial need determined by the FAFSA.   

Payment plans are an option that UC provides in order to help students pay their tuition in affordable installments rather than a large lump sum. With payment plans, your tuition is broken into monthly payments that are due on the 5th of each month. You can choose between a few payment options, depending on what fits your needs best. Options include paying in 4, 3, or 2 installments.   

UC offers financial resources such as:  

  •  a financial assistance form for students to complete to receive aid for their tuition,   
  • a student financial center that students can visit, call, or email in order to receive assistance with understanding or completing financial aid items,  
  • a career services center that students can access to help with financial planning regarding current or future career choices,  
  • and lots of other resources linked on our website for you to access to help with financial planning for college!  
A picture of the campus showing the globe statue

Contact Our Financial Aid Office

We are here to help. Reach out for anything you need.