University of Tennessee at Chattanooga Scholarships (2026–2027)
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Last Updated on April 1, 2026- Tuition, housing, and average family net price
- Automatic merit ranges and qualifier benchmarks
- Flagship and hidden-gem awards
- Honors and stacking strategy
📊 Admissions Snapshot
- Acceptance Rate: ~81%
- Middle 50% ACT: 24
- Middle 50% SAT: 1135
- Average GPA: 3.6
Comparing multiple schools? Try the Scholarship Tool to search by GPA, test scores, and state →
📌 University of Tennessee at Chattanooga at a Glance
UTC is one of those schools that tends to fly under the radar—but financially, it can be a really smart play. The automatic scholarships are clearly defined and reachable for a wide range of students, and Tennessee residents get an extra boost through HOPE and other state programs. Even for out-of-state families, the merit plus relatively lower starting cost can bring the net price down more than you’d expect.
This isn’t a “lottery scholarship” school—it’s more about predictable value. If your student has solid grades and maybe a decent test score, you can usually map out what the offer will look like ahead of time. UTC works best for students who want a balanced college experience in a smaller city with strong regional connections, especially in business, engineering, and health-related fields. If your goal is a good degree without stretching the budget, this is the type of school to take seriously.
FAQ
Is this college test-optional? Yes — University of Tennessee at Chattanooga is test-optional.
What is the middle 50% ACT/SAT? ACT: 24; SAT: 1135.
Average net price? About $13,801/yearyear after aid.
Does this school use waivers/reciprocity? Yes — participates in ACM.
University scholarship page: https://www.utc.edu/enrollment-management-and-student-affairs/financial-aid-and-scholarships/scholarships
Provost’s Scholarship page: https://www.utc.edu/enrollment-management-and-student-affairs/financial-aid-and-scholarships/scholarships/renewable-scholarships-provosts-scholarship
Mocs Scholarship page: https://www.utc.edu/enrollment-management-and-student-affairs/financial-aid-and-scholarships/scholarships/renewable-scholarships-mocs-scholarship
UTC Honors College FAQ: https://www.utc.edu/sites/default/files/2021-02/honors-faq.pdf
UTC Honors College Brock Scholars benefits page: https://www.utc.edu/honors-college/future-students/benefits-and-requirements
UTC Bands and Marching Mocs page: https://www.utc.edu/music/bands
UTC Honors College student handbook (Odyssey Grants section): https://www.utc.edu/document/121
UTC Center for Global Education: https://www.utc.edu/center-global-education
UTC Alumni scholarships page: https://alumni.utc.edu/scholarships/
UT System UT Promise site: https://tennessee.edu/academics/affordability/ut-promise-scholarship/
Academic Service Scholars Program page: https://www.utc.edu/enrollment-management-and-student-affairs/financial-aid-and-scholarships/scholarships/renewable-scholarships-academic-service-scholars-program
UTC Cybersecurity SFS scholarship page: https://www.utc.edu/engineering-and-computer-science/cae-cd/scholarships
CollegeScorecard / Admissions: https://collegescorecard.ed.gov/
💰 Cost of Attendance at University of Tennessee at Chattanooga 2026-2027
📅 2026–2027 Planning Note: The costs below reflect the most recently published figures (2025–2026). Universities typically finalize the next year’s rates in the spring, and we’ll update this page once official 2026–2027 numbers are released.
Planning tip: At large public universities, tuition, fees, and housing usually increase modestly each year (often in the 2–5% range). For early budgeting, families may want to plan for roughly $1,000–$1,500 more in-state or $2,000–$3,000 more out-of-state in total direct costs once new rates are published.
| Category (2026–2027) | In-State | Out-of-State |
|---|---|---|
| Tuition & Mandatory Fees (2 semesters) | $10,448 | $18,512 |
| Housing & Meals (typical) | $12,604 | $12,604 |
| Total (Direct Costs) | $23,052 | $31,116 |
Average Federal Net Price: $13,801 — this is what families actually paid after grants and scholarships (no loans), based on the most recent federal data. Your specific cost could be significantly lower or higher depending on your financial aid eligibility and merit scholarships. New to Net Price & SAI? Read our guide.
- Regional Tuition Discount: Students from select North Georgia and North Alabama counties may pay a reduced out-of-state surcharge and thus significantly lower cost.
- Academic Common Market (ACM): Residents of other SREB states may qualify for in-state rates for specific majors not offered in their home state at UTC.
- eRate: Non-residents taking only online courses may qualify for a special reduced tuition rate.
Example: The standard out-of-state surcharge is ~$8,064. Students from eligible counties receiving the regional rate save thousands each year.
FAQ on Reciprocity & Discounts
Who qualifies? Tennessee residents always pay in-state rates. Certain North Georgia and Alabama counties qualify for the regional discount, while other SREB states may utilise the ACM for specific majors.
How much can you save? Regional students can save around ~$8,000 each year compared to the full out-of-state rate; ACM students effectively pay the in-state amount.
Do you have to apply? Regional discounts are automatic for eligible counties upon admission and registration. The ACM requires an application via the home state coordinator. The eRate applies only if you enrol exclusively in online classes.
https://www.utc.edu/sites/default/files/2025-08/estimated-cost-of-attendance.pdf
https://www.utc.edu/enrollment-management-and-student-affairs/financial-aid-and-scholarships/cost-of-attendance
https://www.utc.edu/enrollment-management-and-student-affairs/admissions/out-of-state
https://www.utc.edu/honors-college
https://bigfuture.collegeboard.org/colleges/university-of-tennessee-chattanooga/tuition-and-costs
https://collegescorecard.ed.gov/school/?221740-University-of-Tennessee-at-Chattanooga
✅ Automatic Merit Scholarships
| Scholarship | Award Amount | Eligibility | Separate App? | Renewable? | Who Actually Wins? | Deadline |
|---|---|---|---|---|---|---|
| Chancellor’s Scholarship | $5,000/year | HS GPA 3.75+ and ACT 29+ (superscore accepted) | Yes — UTC Online Scholarship App required | Yes – maintain GPA & credits | Students with 3.8+ GPAs and ACT 30–32, often with strong coursework | Dec. 1 (priority); Feb. 1 (final) |
| Provost’s Scholarship | $4,000/year | HS GPA 3.4+ and ACT 25+ (superscore accepted) | Yes — UTC Online Scholarship App required | Yes – maintain GPA & credits | Awardees typically have 3.5–3.7 GPAs and ACT 26–28 | Dec. 1 (priority); Feb. 1 (final) |
| Mocs Scholarship | $3,000/year | HS GPA 3.2+ and ACT 22+ (superscore accepted) | Yes — UTC Online Scholarship App required | Yes – maintain GPA & credits | Typical recipients: 3.3–3.5 GPAs and ACT 23–24 | Dec. 1 (priority); Feb. 1 (final) |
| Academic Service Scholarship | Approx. $5,450/year, tied to campus service | Incoming freshmen committed to campus service role | Yes — UTC Online Scholarship App required | Yes – with service & GPA | Students with leadership/service backgrounds who balance academic and service | Dec. 1 (priority); Feb. 1 (final) |
| National Merit Scholarship | $2,000/year | National Merit Finalist who designates UTC as first choice | Yes — notify National Merit and complete UTC Online Scholarship App | Yes – up to 4 years | National Merit Finalists selecting UTC; may stack with HOPE and limited UTC aid | Dec. 1 (priority); Feb. 1 (final) |
*GPA and ACT ranges estimate typical profiles; actual funding cutoffs may shift yearly.
Curious about the national merit scholarship and how to qualify? Check out our National merit scholarship breakdown hereFAQ on Automatic Merit
Do I need a separate application? Yes. All students must complete the UTC Online Scholarship Application by December 1 (priority) or February 1 (final) to be considered for institutional merit awards; admission by itself is not enough.
Does UTC superscore the ACT? Yes. UTC will use your highest ACT or SAT section scores across all test dates to calculate your composite for scholarship consideration.
Are test scores required? UTC allows test-optional applications. However, submitting high ACT/SAT scores could result in higher scholarship award tiers.
Can I stack these with other aid? You cannot stack multiple UTC renewable merit awards, but you can combine these with state HOPE, Pell, and most outside scholarships, up to the cost of attendance.
utc.edu/scholarships/
utc.edu/financial-aid/scholarships/
utc.edu/academic-service-scholars/
commonapp.org/explore/university-tennessee-chattanooga/
🏆 Competitive Scholarships
UTC does not currently list any additional competitive, university-wide scholarships beyond the automatic merit and service-based awards already covered. Departmental and Honors-specific awards will be detailed in their own sections below.
| Scholarship | Award Amount | Eligibility | Separate App? | Renewable? | Who Actually Wins? | Deadline |
|---|---|---|---|---|---|---|
| No university-level competitive scholarships listed at this time | ||||||
FAQ on Competitive Scholarships
Does UTC offer full-ride competitive scholarships? No. UTC’s largest scholarships are its automatic merit and service-based awards, which are detailed earlier on this page.
Where do competitive opportunities exist? The most selective awards at UTC are within the Honors College or major departments. Please see the Honors and Departmental sections for requirements and deadlines.
Should families still check for updates? Yes. UTC sometimes introduces new competitive donor or cohort programs, so it is important to check the UTC scholarships portal and Honors College site every fall for updates.
utc.edu/scholarships/
utc.edu/financial-aid/scholarships/
utc.edu/honors/