Chattanooga, Tennessee Colleges: Costs & Earnings (2026 stats)
TL;DR
EDsmart Data analysis of 2024 College Scorecard data for Chattanooga, Tennessee shows: median public in-state tuition $10,448 (+89.5% vs national median) median 10-year earnings $51,151 (-5.8% vs U.S.) employment-outcome proxy 91.9% working & not enrolled at 8 years median graduate debt $13,168 (-2.0% vs U.S.) 20,266 students enrolled statewide.
Key Facts
- Institutions in this profile: 6 campuses
- Total college enrollment: 20,266 students
- Median public in-state tuition: $10,448 (+89.5% vs U.S.)
- Median earnings 10 years after entry: $51,151 (-5.8% vs U.S.)
- Working & not enrolled (8-yr cohort proxy): 91.9% (+4.0 pp vs U.S.)
- Median net price: $14,265 (+43.1% vs U.S.)
- Median student debt at graduation: $13,168 (-2.0% vs U.S. $13,432); regional median $14,173
- Average completion rate (institutions in state): 50.2%
- Median first-year retention (full-time, 4-yr): 72.5%
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Overview
EDsmart Data summarizes higher-education outcomes for campuses in Chattanooga, Tennessee—costs, debt, enrollment, completion, earnings, and standout institutions—against Tennessee and U.S. medians from the College Scorecard.
Chattanooga vs Tennessee & national benchmarks
Medians aggregate institution-level College Scorecard fields unless noted. Enrollment is total undergraduate headcount summed across reporting campuses.
| Geography | In-state tuition | Net price | Median debt | Completion rate | Enrollment |
|---|---|---|---|---|---|
| Chattanooga, Tennessee | $10,448 | $14,265 | $13,168 | 50.2% | 20,266 |
| Tennessee (state median) | $4,998 | $7,802 | $14,825 | 49.8% | 245,429 |
| United States | $5,512 | $9,967 | $13,432 | 50.3% | 14,484,370 |
Earnings & employment outcomes: Chattanooga, Tennessee vs benchmarks
Scorecard does not publish formal job-placement rates. We use the share of the 8-year cohort reported as working and not enrolled (working ÷ working + not working) as a federal employment-outcome proxy. 2-yr and 3-yr default rates are federal cohort default shares (0–1 scale). We show 2-yr default as the primary benchmark; 3-yr default appears only when enough campuses report non-suppressed values (otherwise —). 3-yr repayment progress is the share of completers making progress on loans after 3 years. Sample: bachelor's-predominant institutions with enrollment ≥ 200. Medians pool campus-level values.
| Geography | Median earnings (10 yr) | Working & not enrolled (8 yr) | Retention (FT yr 1) | 2-yr default | 3-yr default | 3-yr repayment progress | Debt ÷ earnings |
|---|---|---|---|---|---|---|---|
| Chattanooga, Tennessee | $51,151 | 91.9% | 72.5% | 6.4% | — | 70.2% | 0.38 |
| Tennessee (state median) | $48,480 | 90.5% | 74.9% | 6.3% | — | 71.2% | 0.45 |
| United States | $54,323 | 87.9% | 76.3% | 5.0% | — | 73.7% | 0.41 |
Other cities in Tennessee (3+ campuses)
Other cities in the same state with at least three reporting campuses.
| City | In-state tuition | Net price | Median debt | Completion | Enrollment | Earnings (10 yr) | Working (8 yr) |
|---|---|---|---|---|---|---|---|
| Chattanooga, Tennessee | $10,448 | $14,265 | $13,168 | 50.2% | 20,266 | $51,151 | 91.9% |
| Knoxville | $16,174 | $18,976 | $18,668 | 56.8% | 47,906 | $50,422 | 89.4% |
| Nashville | $17,281 | $24,044 | $16,334 | 41.8% | 37,311 | $49,378 | 88.0% |
| Memphis | $13,858 | $13,413 | $13,271 | 45.3% | 27,349 | $57,478 | 89.5% |
| Murfreesboro | $10,266 | $12,408 | $13,958 | 53.7% | 17,237 | $48,541 | 89.5% |
| Johnson City | $10,472 | $15,983 | $9,500 | 53.2% | 10,191 | $44,859 | 88.7% |
| Cookeville | $13,248 | $16,597 | $13,000 | 57.7% | 9,352 | $48,501 | 92.0% |
| Clarksville | $9,006 | $9,989 | $14,232 | 40.2% | 7,722 | $44,301 | 85.7% |
| Jackson | $11,790 | $10,904 | $20,714 | 42.2% | 5,490 | $42,830 | 91.7% |
| United States | $5,512 | $9,967 | $13,432 | 50.3% | 14,484,370 | $54,323 | 87.9% |
Top 10 colleges in Chattanooga, Tennessee by graduation rate (150% time)
Ranked by 150% time completion rate (4-year bachelor's-predominant institutions, enrollment ≥ 500). Higher rate = more students finishing within 150% of normal time.
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Rank 1, Graduation Rate, 50.2%, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by employment outcome (8 yrs after entry, working & not enrolled)
Ranked by share of the 8-year cohort reported as working and not enrolled — a federal outcome proxy, not a verified job-placement rate. Enrollment ≥ 500.
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Rank 1, Employment Outcome, 91.9%, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 most selective colleges in Chattanooga, Tennessee (lowest admission rate)
Ranked by lowest admission rate (most selective first). Bachelor's-predominant four-year institutions with enrollment ≥ 500 and a reported admission rate.
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Rank 1, Admission Rate, 81.1%, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by entry-level earnings (1 yr post-completion, program)
Ranked by median program-level earnings one year after completion (highest first). Enrollment ≥ 300; reflects completers in reported CIP programs, not all entrants.
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Rank 1, Entry-Level Earnings, $75,273, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by early-career earnings (4 yr post-completion, program)
Ranked by median program-level earnings four years after completion (highest first). Enrollment ≥ 300; program cohort, not institution-wide median.
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Rank 1, Early-Career Earnings, $92,900, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by mid-career earnings (6 yrs after entry)
Ranked by median earnings six years after entry (highest first). Bachelor's-predominant institutions with enrollment ≥ 500.
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Rank 1, Mid-Career Earnings, $42,209, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by 8-year earnings (8 yrs after entry)
Ranked by median earnings eight years after entry (highest first). Bachelor's-predominant institutions with enrollment ≥ 500.
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Rank 1, 8-Yr Earnings, $47,038, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by long-term earnings (10 yrs after entry)
Ranked by median earnings ten years after entry (highest first). Bachelor's-predominant institutions with enrollment ≥ 500.
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Rank 1, 10-Yr Earnings, $51,151, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by 10-year ROI
Ranked by 10-year return on investment (highest first). Bachelor's-predominant institutions with enrollment ≥ 200 and a computed ROI in the EDsmart dataset.
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Rank 1, 10-Yr ROI, $170,031, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 most affordable colleges in Chattanooga, Tennessee (net price)
Ranked by lowest average net price (most affordable first). Uses overall net price, or mid-income bracket net price for public schools when available. Enrollment ≥ 300.
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Rank 1, Net Price, $14,265, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
Top 10 colleges in Chattanooga, Tennessee by first-year retention (full-time)
Ranked by first-year, full-time retention rate (highest first). Bachelor's-predominant four-year institutions with enrollment ≥ 500.
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Rank 1, First-Year Retention, 72.5%, The University of Tennessee-Chattanooga
The University of Tennessee-Chattanooga
In-state tuition: Chattanooga, Tennessee vs benchmarks
Sticker price
Chattanooga, Tennessee median in-state tuition is $10,448, +89.5% vs the U.S. median.
Student debt: Chattanooga, Tennessee vs benchmarks
Borrowing
Median debt at graduation in Chattanooga, Tennessee is $13,168 (-2.0% vs U.S. median $13,432). Regional median: $14,173.
Median earnings (10 years out): Chattanooga, Tennessee vs benchmarks
Payoff
Median earnings 10 years after entry for bachelor's-predominant campuses in Chattanooga, Tennessee center around $51,151 (-5.8% vs U.S.).
Median institution-level 10-year earnings. Source: College Scorecard.
Employment outcome proxy: Chattanooga, Tennessee vs benchmarks
Working & not enrolled
The share of the 8-year cohort reported as working and not enrolled—our Scorecard employment proxy—is 91.9% at the median Chattanooga, Tennessee campus (+4.0 pp vs U.S.).
Percent of 8-year cohort working and not enrolled (not a formal placement rate).
Analysis & insights
EDsmart Data aggregates institution-level College Scorecard data for this profile. Highlights below compare local medians to U.S. and regional benchmarks.
Costs & borrowing
Chattanooga, Tennessee median public in-state tuition is $10,448, about +89.5% vs the national median. Versus the Southeast region, tuition is +109.3%.
Median graduate debt is $13,168 (-2.0% below the U.S. median of $13,432). Low sticker prices do not always mean low borrowing—living costs, time-to-degree, and aid mix matter.
Earnings, employment & retention
Among bachelor's-predominant campuses with ≥200 students, median 10-year earnings in Chattanooga, Tennessee are $51,151, about -5.8% vs the U.S. campus median ($54,323).
The median campus reports 91.9% of its 8-year cohort as working and not enrolled—our closest federal proxy to a placement rate. The U.S. campus median is 87.9% (+4.0 pp). Formal job-placement statistics are not published in Scorecard; treat this as a comparative outcome indicator, not a hire guarantee.
First-year, full-time retention at the median campus is 72.5% vs a U.S. median of 76.3%—a leading indicator for completion and time-to-degree.
Loan repayment indicators at the median campus: 2-yr default 6.4% (U.S. 5.0%); 3-yr repayment progress 70.2% (U.S. 73.7%). 3-yr default is omitted when most campuses report suppressed zeros.
Top employment-outcome campuses in this extract include The University of Tennessee-Chattanooga (91.9%)—useful anchors for local reporting on where graduates are most often working rather than still enrolled.
Completion & workforce context
Average institution-level completion rate across all sectors in Chattanooga, Tennessee is 50.2% (national institution average about 50.3%).
FAQ
How many colleges are in Chattanooga?
EDsmart Data analysis: this city profile covers 6 campuses in Chattanooga, Tennessee with College Scorecard cost or outcomes data.
How much does college cost in Chattanooga?
EDsmart Data analysis: median in-state tuition in Chattanooga is $10,448 and median net price is $14,265. For Tennessee overall, medians are $4,998 and $7,802; U.S. medians are $5,512 and $9,967.
What do graduates earn in Chattanooga?
EDsmart Data analysis: median 10-year earnings for campuses in Chattanooga is $51,151 vs $48,480 for Tennessee and $54,323 nationally.
What is student debt like for Chattanooga colleges?
EDsmart Data analysis: median completer debt in Chattanooga is $13,168 vs $14,825 for Tennessee and $13,432 nationally.
What are the best colleges in Chattanooga?
EDsmart Data analysis: top campuses on this page include The University of Tennessee-Chattanooga (graduation) and The University of Tennessee-Chattanooga (10-yr earnings). See Top 10 lists for admission, affordability, and employment metrics.
Are there HBCUs, Hispanic-serving, tribal, or religious colleges in Chattanooga?
EDsmart Data analysis: among 6 College Scorecard campuses in Chattanooga, Tennessee, none are flagged as HBCUs or tribal colleges in IPEDS, and none meet our 25% Hispanic-enrollment HSI proxy or report a religious affiliation in IPEDS.
Sources & related
- Tennessee college profile
- All college profiles
- National benchmarks
- U.S. Department of Education, College Scorecard
- Download: JSON