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University of the Cumberlands

Williamsburg, KY

University of the Cumberlands at a glance

University of the Cumberlands is a private university in Williamsburg, Kentucky with 22,120 students (IPEDS, fall 2024 enrollment). It admitted 99% of applicants (IPEDS, applicants for fall 2024). Its published tuition is $9,875 (IPEDS, charges for academic year 2024-25); students who received federal aid paid an average net price of $14,107 a year after grants (College Scorecard, a prior cohort). 50% of students finish within the federal tracking window (IPEDS, Graduation Rates 2024 collection: 4-year cohort 2018, 2-year cohort 2021); 68% of students take federal loans, and borrowers leave with a median $14,911 (College Scorecard). By program, the highest graduate earnings four years after finishing are in Allied Health (diagnostic and treatment), master's ($118,251) and Business Administration, doctoral ($98,100) (College Scorecard, 2017-19 graduates).

Tuition

$9,875

2024-25

Acceptance

99%

Fall 2024 applicants

Students

22,120

Fall 2024

Type

University

Setting

Rural

Cost & Financial Aid

In-State Tuition

$9,875

Out-of-State Tuition

$9,875

Avg On-Campus Living

$9,300

Avg Off-Campus Living

$13,365

Financial Aid & Outcomes

College Scorecard

What will it actually cost?

Sticker price: $19,175
Net price (after aid): $14,107

Most students pay the net price after financial aid, not the sticker price.

Net price by family income

$0 – $30k: $4,895
$30k – $48k: $5,965
$48k – $75k: $12,572
$75k – $110k: $16,441
$110k+: $18,846

Can federal loans cover it? (2026 limits)

At every income level reported here, the average net price is within the $25,500 a first-year dependent student and their parents can borrow from the federal government for loans made from 1 July 2026.

The ceiling is $5,500 in the student’s own Direct Loan plus up to $20,000 in Parent PLUS, which requires that the parent has no adverse credit history. Net prices are averages for a prior cohort of aid recipients, not a quote. Source: Federal Student Aid loan limits. Where this gap is largest.

After graduation

Median earnings (10yr): $45,036
Median debt at graduation: $14,911
Est. monthly loan payment: $158

Earnings-to-debt ratio

Strong · 3.0×

Graduates earn about 3.0× their median debt every year.

Financial access

Students on Pell Grants: 53%

Pell Grants are federal aid for students from low-income families.

Students with federal loans: 68%

Share of students who borrowed to pay for school.

Some fields may not be reported by this institution. Verify final details with the school directly.

How does cost line up with outcomes across colleges? See our analysis of college cost vs. graduation and earnings, an association shaped by selectivity and sector, not proof a pricier college pays off.

FAFSA earnings check

: Not flagged

University of the Cumberlands does not trigger the FAFSA's "lower earnings" notice. Its graduates' median earnings four years after completing were $54,714, above the $33,352 median for high school graduates aged 25 to 34 in Kentucky.

This is one figure for the whole institution, not for any program: earnings differ by credential and field. It covers graduates who completed in 2017-18 and 2018-19, received federal aid, and were working and not enrolled when earnings were measured in 2022 and 2023, in January 2026 dollars. The Department says the notice is informational only: it does not change aid eligibility. Source: U.S. Department of Education, FSA Data Center, March 2026 release. Which colleges are flagged, and what changed.

Which Kentucky schools are flagged now

Student Outcomes

Graduation Rate

50%

Freshman Retention

74%

Source: IPEDS, charges for academic year 2024-25 (provisional release)

Final aid offers, scholarships, and net price vary per family. Always verify with the school's financial aid office.

Scholarships available

Decision support · Cost & value

Quick Decision Highlights

The strongest cost, aid, and value reasons to consider this school.

Value signal

Lower net price

After typical aid, families pay below the national average.

This school$14.1k
National avg$18.5k
Source: IPEDS 2024

Strong aid for lower incomes

Reported net price for the $0–30k band runs below average.

Need-based aid friendly

53% above avg

Manageable graduate debt

$14.9k below avg

Affordability snapshot

Tuition

$9.9k

below avg

Net price

$14.1k

below avg

Pell

53%

above avg

Median debt

$14.9k

below avg

Earnings (10y)

$45k

“Avg” comparisons reference national IPEDS / College Scorecard averages (~2022–23); figures are directional and vary by school and year.

Admissions

Acceptance rate

99%

SAT range

Institution does not report this

Institution does not report this

ACT range

Institution does not report this

Institution does not report this

Source: IPEDS, applicants for fall 2024 (provisional release)

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Location

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UniversitiesCommunity Colleges1 school

Institution does not report this

Williamsburg, KY 40769

Academics

Studying online: most students study entirely online

In Fall 2023, 11,858 of University of the Cumberlands's 20,327 students (58%) were enrolled entirely at a distance. A further 7,220 (36%) took at least one distance course alongside in-person study.

Distance-education figures count STUDENTS enrolled in Fall 2023, not programs on offer. "Exclusively at a distance" means a student took only distance courses that term. A college with few or no such students may still run online courses or an online degree, so a low figure is not evidence that online study is unavailable, and a high one is not a judgement of quality either way.

U.S. Department of Education, IPEDS Fall Enrollment (distance education status), Fall 2023

Fields of study

University of the Cumberlands reported conferring credentials in 48 different fields to the federal government. See which ones, and at what credential level.

Campus & Student Life

Area Safety Rating

Decision support

Similar schools

Worth a closer look if University of the Cumberlands caught your interest.

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Graduate earnings by program

What University of the Cumberlands graduates earn, by program

University of the Cumberlands's master's graduates in Business Administration earned a median $76,452 four years after graduating, 26% below the $103,485 national median for the same program (2017-19 graduates, measured 2022-23, College Scorecard). One year after graduating, a later class (2018-20 graduates, measured 2020-21) earned a median $66,940; the two figures describe different graduates, not one class's growth. Graduates who borrowed took out a median $16,263 in federal loans at this college (about $185 a month on a 10-year plan).

27 programs at University of the Cumberlands have federal earnings or debt figures, largest graduating classes first. Earnings: graduates of 2017-18 and 2018-19, earnings measured in 2022 and 2023, in 2024 dollars. Debt: graduates of 2018-19 and 2019-20. The national median is the same measure for every program in that field and credential in the U.S.

Median earnings four years after graduating and median federal debt, by program and credential, for University of the Cumberlands (2017-19 graduates, measured 2022-23).
ProgramMedian earnings, 4 yrs afterNational medianFederal debt borrowed at this college (median)Payment
Business Administration, Master's$76,452$103,485, −26%$16,263$185/mo
Teacher Education (by grade level), Master's$45,849$59,916, −23%$17,564$200/mo
Educational Administration, Master's$61,352$71,685, −14%$21,878$249/mo
Clinical and Counseling Psychology, Master's$54,874$65,184, −16%$43,350$493/mo
Curriculum and Instruction, Master's$48,120$63,399, −24%$11,852$135/mo
Special Education, Master's—$64,397$19,508$222/mo
Business, Bachelor's$59,760$68,407, −13%$15,568$165/mo
Business Administration, Doctoral$98,100$113,566, −14%$32,333$368/mo
Teacher Education (by subject), Master's$47,846$63,707, −25%$12,997$148/mo
Student Counseling, Master's$52,175$60,111, −13%$21,171$241/mo
Psychology, Bachelor's$40,751$50,706, −20%$13,730$146/mo
Educational Administration, Doctoral$92,853$100,573, −8%$31,421$357/mo

Compare what Business Administration pays at other colleges

What the job pays locally

BLS Occupational Employment and Wage Statistics, May 2025: everyone working in the job, every experience level, not only recent graduates.

Show 15 more programs
Median earnings four years after graduating and median federal debt, by program and credential, for University of the Cumberlands (2017-19 graduates, measured 2022-23).
ProgramMedian earnings, 4 yrs afterNational medianFederal debt borrowed at this college (median)Payment
Human Services, Bachelor's$37,823$48,597, −22%$17,669$187/mo
Teacher Education (by grade level), Bachelor's$40,093$47,382, −15%$19,500$207/mo
Kinesiology and Exercise Science, Bachelor's$45,660$54,562, −16%$19,587$208/mo
Nursing (RN), Bachelor's$94,183$88,910, +6%$8,358$89/mo
Criminal Justice, Master's—$66,714$27,405$312/mo
Criminal Justice, Bachelor's$41,785$55,378, −25%$23,375$248/mo
Computer and Information Sciences, Bachelor's—$92,374$21,635$229/mo
Accounting, Bachelor's—$76,194$19,987$212/mo
Allied Health (diagnostic and treatment), Master's$118,251$127,347, −7%$118,662$1,350/mo
Mental Health and Social Services, Bachelor's$45,061$52,119, −14%$16,216$172/mo
Biology, Bachelor's$59,702$57,214, +4%$17,500$186/mo
Health Sciences, Master's—$78,149——
Nursing (RN), Master's—$120,193$36,462$415/mo
Religious Education, Bachelor's$39,211$43,633, −10%$21,593$229/mo
Communication, Bachelor's$40,699$56,359, −28%$20,339$216/mo

Median earnings of graduates who received federal student aid, worked, and were not enrolled in school; debt is the median federal loans borrowed at this college by graduates who borrowed (Direct Subsidized, Unsubsidized and Grad PLUS; not Parent PLUS, private loans or interest). Programs with too few graduates are suppressed by the Department of Education. Monthly payment assumes a standard 10-year plan. Source: U.S. Department of Education, College Scorecard, field-of-study data, 10 June 2026. Download every program (CSV). Same degree, different paycheck: what the national data show. Over the Cap: graduate programs where typical debt exceeds the federal loan limits in force since July 2026. Nursing graduates vs RN pay by state: the early-career benchmark.

Frequently asked questions

About University of the Cumberlands

Built from CampusPin profile data. Always verify final admissions, cost, financial aid, and program details with the institution before applying. See our data methodology and data dictionary.

Where is University of the Cumberlands located?
University of the Cumberlands is located in Williamsburg, KY, in the United States.
What type of institution is University of the Cumberlands?
University of the Cumberlands is a private university based in KY. CampusPin classifies institutions as either four-year universities or two-year community colleges, with control labeled public or private.
What is the acceptance rate at University of the Cumberlands?
The most recently reported acceptance rate at University of the Cumberlands is approximately 99% (IPEDS, applicants for fall 2024). Acceptance rate signals selectivity but does not predict any individual applicant's outcome and is not a measure of school quality. CampusPin reports the federally-published value; verify the current cycle with the institution.
What is the tuition at University of the Cumberlands?
University of the Cumberlands's published in-state tuition is approximately $9,875 per year (IPEDS, charges for academic year 2024-25). This is the published price before financial aid; the net price most students actually pay is typically lower. Verify the current academic-year tuition with the institution before applying.
How many students attend University of the Cumberlands?
University of the Cumberlands reports total enrollment of approximately 22,120 students (undergraduate plus graduate) (IPEDS, fall 2024 enrollment). Total enrollment is a useful sizing signal, see the institutional profile for additional breakdowns when available.
How much does University of the Cumberlands actually cost after financial aid?
The average net price at University of the Cumberlands is approximately $14,107 per year. Net price is the total cost of attendance minus grants and scholarships that never have to be repaid, so it is what students actually paid rather than the published sticker price. What families pay varies with income: students from families earning under $30,000 paid about $4,895 on average, and those from families earning $110,000 or more about $18,846. These are averages for students who received federal aid in a prior cohort, not a quote for any individual family. Run the institution's own Net Price Calculator for a figure specific to you.
What is the graduation rate at University of the Cumberlands?
University of the Cumberlands reports a graduation rate of approximately 50% (IPEDS, Graduation Rates 2024 collection: 4-year cohort 2018, 2-year cohort 2021). This measures the share of a prior entering cohort who completed their degree within the federal tracking window. It reflects who enrolls as much as what the institution does, so it is not on its own a measure of teaching quality, and it is not comparable across institutions serving very different students.
How much student debt do graduates of University of the Cumberlands have?
Students who borrowed at University of the Cumberlands left with a median of approximately $14,911 in federal loans, and about 68% of students took federal loans at all. Both numbers matter: a median describes only the students who borrowed, so it reads very differently at a school where most students borrow than at one where few do. Federal loans only, so private and parent borrowing are not included.
How much do graduates of University of the Cumberlands earn?
Median earnings approximately ten years after entry are $45,036 for students who received federal financial aid at University of the Cumberlands. This reflects the mix of programs the institution offers and the students who enroll, not the effect of attending, and it covers aid recipients rather than all graduates.
How should I verify final details about University of the Cumberlands?
CampusPin compiles institutional data from public datasets like IPEDS and the College Scorecard, plus institutional websites and editorial review. Before applying, paying a deposit, or making a final decision, confirm admissions requirements, current tuition, financial aid, deadlines, and program details directly with University of the Cumberlands.
How much do Business Administration graduates from University of the Cumberlands earn?
University of the Cumberlands's master's graduates in Business Administration earned a median $76,452 four years after graduating, 26% below the $103,485 national median for the same program (2017-19 graduates, measured 2022-23, College Scorecard). One year after graduating, a later class (2018-20 graduates, measured 2020-21) earned a median $66,940; the two figures describe different graduates, not one class's growth. Graduates who borrowed took out a median $16,263 in federal loans at this college (about $185 a month on a 10-year plan).
How much do Teacher Education (by grade level) graduates from University of the Cumberlands earn?
University of the Cumberlands's master's graduates in Teacher Education (by grade level) earned a median $45,849 four years after graduating, 23% below the $59,916 national median for the same program (2017-19 graduates, measured 2022-23, College Scorecard). One year after graduating, a later class (2018-20 graduates, measured 2020-21) earned a median $41,671; the two figures describe different graduates, not one class's growth. Graduates who borrowed took out a median $17,564 in federal loans at this college (about $200 a month on a 10-year plan).
Which programs at University of the Cumberlands have the highest graduate earnings?
Among the 16 programs at University of the Cumberlands with a federal earnings figure from at least 30 graduates, the highest medians four years after graduating were Allied Health (diagnostic and treatment), master's ($118,251); Business Administration, doctoral ($98,100); and Nursing (RN), bachelor's ($94,183) (2017-19 graduates, measured 2022-23, College Scorecard). That order is one federal measure, not a ranking of program quality: earnings reflect the field and where graduates go to work as well as the program.
Does University of the Cumberlands get a "lower earnings" warning on the FAFSA?
No. In the Department of Education's March 2026 data, which the FAFSA uses now, University of the Cumberlands's graduates' median earnings four years after completing were $54,714, above the $33,352 median for high school graduates aged 25 to 34 in Kentucky, so first-year students who list it do not see the lower-earnings notice. The figure describes the whole institution, not any one program.

Fields this college awarded credentials in

The 14 largest of 48 fields University of the Cumberlands reported, by credentials conferred in 2024-25, using the federal classification of each field. The level is the highest credential actually awarded, which is not always the one a field is best known for.

Fields University of the Cumberlands reported conferring credentials in during 2024-25, with the number awarded and the highest credential level.
FieldAwardedLevel
Computer and Information Sciences, General1,055Graduate (986 graduate · 59 bachelor's · 10 associate)
Business Administration, Management and Operations737Graduate (731 graduate · 6 bachelor's)
Management Sciences and Quantitative Methods717Graduate
Teacher Education and Professional Development, Specific Levels and Methods636Graduate (506 graduate · 130 bachelor's)
Educational Administration and Supervision485Graduate
Information Science/Studies363Graduate
Computer/Information Technology Administration and Management344Graduate (298 graduate · 46 associate)
Clinical, Counseling and Applied Psychology329Graduate
Special Education and Teaching309Graduate
Liberal Arts and Sciences, General Studies and Humanities298Bachelor's (272 bachelor's · 26 associate)
Business/Commerce, General238Bachelor's (215 bachelor's · 22 associate · 1 certificate)
Psychology, General174Bachelor's (143 bachelor's · 31 associate)
Sports, Kinesiology, and Physical Education/Fitness166Graduate (32 graduate · 124 bachelor's · 9 associate · 1 certificate)
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing164Graduate (34 graduate · 130 bachelor's)

Fields are as classified in the federal IPEDS completions collection, which records credentials already conferred. A field listed here was awarded in the reporting year; it does not confirm the program is currently admitting students, and a field CampusPin has no guide for is still shown under its official federal title. Confirm current offerings with the institution.

Data sources & methodology

Reporting period: 2024. Last verified: June 10, 2026.

Facts on this profile of University of the Cumberlands are compiled from federal datasets and the institution's own published information.

Sources used across this page

Not every source informs every figure. Each data point draws on the source appropriate to it see the relevant section and the data dictionary for field-level provenance.

Where a value is unavailable it is shown as unavailable, never as 0, free, or a negative judgment. Always confirm final details with the institution before applying.

Suggested citation

CampusPin. (2024). University of the Cumberlands, college profile. Retrieved from https://campuspin.com/schools/university-of-the-cumberlands

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