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To utilize It Pays to Prep in its simplest form, refer to the left-hand column to find the ACT score and GPA required to qualify for specific scholarships. Most of these scholarships are guaranteed, meaning if the student meets the criteria, they will receive the scholarship as long as they submit all necessary materials on time. If no GPA or ACT score is listed, it means the school does not require it for that scholarship.

If a row is highlighted in red, it indicates that with the scholarship applied, the yearly tuition is less than $1,500.

Our goal with this chart is to simplify the process of comparing scholarship opportunities across various schools. However, aligning all of this information into a single chart format can sometimes feel like trying to fit a square peg into a round hole. We encourage you to treat this chart as a starting point for exploring scholarships that might have otherwise been overlooked. However, it is essential to visit each school's website for the most up-to-date and accurate information.

Additionally, please take note of the "Last ACT" and "Last GPA Accepted" columns. Many families are unaware that students can continue taking the ACT even after the admissions deadline to increase their scholarship amounts. These columns indicate the last ACT score and GPA the school will accept for scholarship consideration. By taking the ACT again before this deadline, students can potentially boost their scholarship awards, giving them more financial flexibility for their education.

TN Scholarships

Tennessee Merit Scholarships



ACTGPAYearly Avg AwardYearly Award (with HOPE/GAMS)Tuition and FeesRemaining TuitionCollegeScholarshipCityGuaranteedSuperscoreLast ACT AcceptedLast GPA AcceptedTN State Aid IncludedNumber of Students
162.85(U)$12,000$12,000$26,100$14,100T. WesleyanTWU Merit AwardsAthensYESYESJULYSPRING SR-1,398
183.50(w)$2,000$7,100$28,900$21,800Southern AdventistHonorsCollegedaleYESYESJULYSPRING SRHOPE3,360
182.00(w)$11,000$11,000$39,990$28,990UnionUniversityJacksonYESYESAPRILSPRING SR-2,674
183.00(w)$15,000$20,100$39,750$19,650Christian BrothersDean'92s'MemphisYESYESJULYSPRING SRHOPE2,043
193.00(w)$1,000$6,100$10,824$33,890UT MartinAchieveMartinYESYESJULYSPRING SRHOPE8,101
194.00(w)$1,500$6,600$10,824$4,224UT MartinExcellenceMartinYESYESJULYSPRING SRHOPE8,101
193.00(w)$3,000$8,100$26,260$18,160Freed-HardemanMeritHendersonYESNOJULYSPRING SRHOPE2,349
203.00(U)$4,000$9,100$18,712$9,612BethelBethel HonorMcKenzieNONOENROLLMENTENROLLMENTHOPE3,742
203.50(w)$12,000$17,100$41,100$24,000MilliganAcademic MeritMilliganYESYESJULYSPRING SRHOPE1,238
203.25(w)$16,000$21,100$39,750$18,650Christian BrothersMaurelianMemphisYESYESJULYSPRING SRHOPE2,043
203.50(w)$25,000$30,100$41,100$11,000MilliganAcademic MeritMilliganYESYESJULYSPRING SRHOPE1,238
213.00(U)$2,000$7,100$24,870$17,770LeeIgniteClevelandNONOFEBRUARYSPRING JRHOPE3,876
213.40(U)$2,500$7,600$20,500$12,900BryanCrimson ScholarDaytonYESYESJULYSPRING SRHOPE1,548
213.00(w)$3,000$8,100$39,750$31,650Christian BrothersChritsian Brothers PromiseMemphisNOYESJULYSPRING SRHOPE2,043
21-$5,100$5,100--Any TN SchoolHOPE-YESNOJULYSPRING SRHOPE-
213.00(U)$8,000$13,100$31,750$18,650TreveccaPersonNashvilleYESYESAPRILAPPLICATIONHOPE3,196
212.50(w)$12,000$17,100$39,990$22,890UnionDean'sJacksonYESYESAPRILSPRING SRHOPE2,674
224.00(U)$2,000$7,100$10,994$3,894ETSUFaculty DiscountJohnson CityYESYESMARCHSPRING JRHOPE13,483
223.20(w)$2,500$7,600$11,926$4,326TTUGolden Opportunity GrantCookevilleNONODECEMBERFALL SRHOPE10,701
224.00(w)$3,000$8,100$10,824$2,724UT MartinDean'92sMartinYESYESJULYSPRING SRHOPE8,101
223.20(w)$3,000$8,100$10,448$2,348UTCMocsChattanoogaNOYESDECEMBERSPRING JRHOPE12,060
223.25(w)$3,500$8,600$11,256$2,656MemphisAcademic AchievementMemphisNOYESFEBRUARYFALL SRHOPE19,652
223.50(w)$3,500$8,600$10,657$2,057MTSUTrue BlueMurfreesboroYESNODECEMBERSPRING JRHOPE20,488
223.50(w)$13,000$18,100$26,558$8,458TusculumTusculum CharterGreenevilleYESYESJULYSPRING SRHOPE1,022
223.50(w)$18,000$23,100$39,750$16,650Christian BrothersLasallianMemphisYESYESJULYSPRING SRHOPE2,043
233.60(U)$3,000$8,100$9,720$1,620Austin PeayPELPClarksvilleNOYESDECEMBERSPRING SRHOPE11,185
233.40(w)$3,000$8,100$11,926$3,826TTUPresidentialCookevilleYESNODECEMBERFALL SRHOPE10,701
233.50(w)$4,000$9,100$28,900$19,800Southern AdventistDeanCollegedaleYESYESJULYSPRING SRHOPE3,360
233.25(U)$6,000$11,100$18,712$7,612BethelDean'92s HonorMcKenzieNONOENROLLMENTENROLLMENTHOPE3,742
243.60(w)$1,500$6,600$11,560$4,960UTKOrange and WhiteKnoxvilleYESYESDECEMBERSPRING JRHOPE40,421
243.60(U)$4,100$9,200$20,500$11,300BryanSilver ScholarDaytonYESYESJULYSPRING SRHOPE1,548
243.30(U)$5,000$10,100$24,870$14,770LeeDean'sClevelandNONOFEBRUARYSPRING JRHOPE3,876
243.25(w)$5,000$10,100$11,256$1,156MemphisDean'92sMemphisNOYESFEBRUARYFALL SRHOPE19,652
243.00(U)$10,000$15,100$31,750$16,650TreveccaSpeicherNashvilleYESYESAPRILAPPLICATIONHOPE3,196
243.00(w)$15,000$20,100$39,990$19,890UnionProvost'sJacksonYESYESAPRILSPRING SRHOPE2,674
253.00(U)$1,000$6,100$9,720$3,620Austin PeayKimbroughClarksvilleNOYESDECEMBERSPRING SRHOPE11,185
253.50(U)$2,000$7,100$10,994$3,894ETSUFacultyJohnson CityYESYESMARCHSPRING JRHOPE13,483
253.70(w)$4,000$9,100$39,850$30,750BelmontMeritNashvilleNOYESAPRILAPPLICATIONHOPE8,932
253.40(w)$4,000$9,100$11,926$2,826TTUPresidentialCookevilleYESNODECEMBERFALL SRHOPE10,701
253.40(w)$4,000$9,100$10,448$1,348UTCProvost'sChattanoogaNOYESDECEMBERSPRING JRHOPE12,060
253.50(w)$4,500$9,600$10,657$1,057MTSUPresidentialMurfreesboroYESNODECEMBERSPRING JRHOPE20,488
253.50(U)$10,000$15,100$18,712$3,612BethelTrustee HonorMcKenzieNONOENROLLMENTENROLLMENTHOPE3,742
253.50(w)$14,000$19,100$26,558$7,458TusculumTusculum HeritageGreenevilleYESYESJULYSPRING SRHOPE1,022
263.50(U)$3,000$8,100$10,994$2,894ETSUDean'92sJohnson CityYESYESMARCHSPRING JRHOPE13,483
273.50(U)$4,000$9,100$10,994$1,894ETSUProvostJohnson CityYESYESMARCHSPRING JRHOPE13,483
274.00(w)$4,000$9,100$10,824$1,724UT MartinChancellor'sMartinYESYESJULYSPRING SRHOPE8,101
273.80(U)$5,600$10,700$20,500$9,800BryanPlatinum ScholarDaytonYESYESJULYSPRING SRHOPE1,548
273.75(U)$12,000$17,100$18,712$1,612BethelPresidential HonorMcKenzieNONOENROLLMENTENROLLMENTHOPE3,742
273.00(U)$12,000$17,100$27,240$10,140CumberlandPresidentialLebanonYESNOJULYSPRING SRHOPE3,072
273.25(U)$14,000$19,100$27,240$8,140CumberlandPresidentialLebanonYESNOJULYSPRING SRHOPE3,072
273.50(U)$15,000$20,100$27,240$7,140CumberlandPresidentialLebanonYESNOJULYSPRING SRHOPE3,072
273.75(U)$16,000$21,100$27,240$6,140CumberlandPresidentialLebanonYESNOJULYSPRING SRHOPE3,072
273.50(w)$17,000$22,100$39,990$17,890UnionPresident'sJacksonYESYESAPRILSPRING SRHOPE2,674
283.80(w)$3,000$8,100$11,560$3,460UTKVolunteerKnoxvilleYESYESDECEMBERSPRING JRHOPE40,421
283.25(w)$6,000$11,100$11,256$156MemphisProvostMemphisNOYESFEBRUARYFALL SRHOPE19,652
283.50(U)$7,500$12,600$24,870$12,270LeePresidentialClevelandNONOFEBRUARYSPRING JRHOPE3,876
283.00(U)$12,000$17,100$31,750$14,650TreveccaStricklandNashvilleYESYESAPRILAPPLICATIONHOPE3,196
283.50(w)$15,000$20,100$26,558$6,458TusculumTusculum LegacyGreenevilleYESYESJULYSPRING SRHOPE1,022
283.90(w)$19,000$24,100$39,750$15,650Christian BrothersPresidentialMemphisNOYESJULYSPRING SRHOPE2,043
293.75(w)$1,000$1,000--Any TN SchoolGAMS-YESNOJULYSPRING SRHOPE+GAMS-
293.75(w)$5,000$11,100$10,448$-652UTCChancellor'sChattanoogaNOYESDECEMBERSPRING JRHOPE+GAMS12,060
293.50(w)$17,000$22,100$39,990$17,890UnionTrusteeJacksonYESYESAPRILSPRING SRHOPE2,674
293.50(U)$39,150$44,250$41,100$-3,150MilliganJeanes Honors ScholarshipMilliganNONODECEMBERSPRING JRHOPE1,238
303.00(w)$1,500$6,600$10,824$4,224UT MartinExcellenceMartinYESYESJULYSPRING SRHOPE8,101
303.90(U)$5,000$10,100$10,994$894ETSUPresidentialJohnson CityYESYESMARCHSPRING JRHOPE13,483
303.50(w)$5,000$10,100$10,657$557MTSUTrusteeMurfreesboroYESNODECEMBERSPRING JRHOPE20,488
303.75(w)$5,000$10,100$11,926$1,826TTUPresidentialCookevilleYESNODECEMBERFALL SRHOPE10,701
303.80(w)$5,000$10,100$11,560$1,460UTKVolunteerKnoxvilleYESYESDECEMBERSPRING JRHOPE40,421
303.00(U)$16,500$21,600$27,240$5,640CumberlandTrusteeLebanonNONOJULYSPRING SRHOPE3,072
302.95(U)$17,000$22,100$26,100$4,000T. WesleyanTWU Merit AwardsAthensYESYESJULYSPRING SRHOPE1,398
303.00(w)$17,500$22,600$26,260$3,660Freed-HardemanTrusteeHendersonYESNOJULYSPRING SRHOPE2,349
303.25(U)$18,000$23,100$27,240$4,140CumberlandTrusteeLebanonNONOJULYSPRING SRHOPE3,072
303.50(U)$25,200$30,300$27,240$-3,060CumberlandTrusteeLebanonNONOJULYSPRING SRHOPE3,072
303.75(U)$26,100$32,200$26,100$-6,100T. WesleyanNeffAthensNOYESOCTOBERSPRING JRHOPE+GAMS1,398
313.00(w)$3,000$8,100$10,824$2,724UT MartinDean'92sMartinYESYESJULYSPRING SRHOPE8,101
313.25(w)$7,000$12,100$11,256$-844MemphisPresidentialMemphisNOYESFEBRUARYFALL SRHOPE19,652
323.50(w)$6,000$11,100$28,900$17,800Southern AdventistPresidentialCollegedaleYESYESJULYSPRING SRHOPE3,360
323.00(U)$14,000$19,100$31,750$12,650TreveccaDunningNashvilleYESYESAPRILAPPLICATIONHOPE3,196
343.50(w)$8,000$13,100$10,657$-2,443MTSUCentennialMurfreesboroYESNODECEMBERSPRING JRHOPE20,488
343.80(w)$9,000$15,100$11,560$-3,540UTKVolunteerKnoxvilleYESYESDECEMBERSPRING JRHOPE+GAMS40,421
344.00(w)$14,450$19,550$28,900$9,350Southern Adventist50% TuitionCollegedaleYESYESJULYSPRING SRHOPE3,360
34-$28,900$34,000$28,900$-5,100Southern AdventistFull TuitionCollegedaleYESNOMARCHSPRING SRHOPE3,360
353.75(w)$8,000$14,100$11,926$-2,174TTUPresidentialCookevilleYESNODECEMBERFALL SRHOPE+GAMS10,701
363.00(w)$4,000$9,100$10,824$1,724UT MartinChancellor'sMartinYESYESJULYSPRING SRHOPE8,101
363.75(w)$10,000$16,100$11,926$-4,174TTUPresidentialCookevilleYESNODECEMBERFALL SRHOPE+GAMS10,701
-3.50(U)$1,500$6,600$9,720$3,120Austin PeayGovernor's MeritClarksvilleYES-DECEMBERSPRING SRHOPE11,185
-3.70(U)$2,000$7,100$9,720$2,620Austin PeayAchievementClarksvilleYES-DECEMBERSPRING SRHOPE11,185
-3.80(w)$2,500$7,600$11,256$3,656MemphisTrustee AwardMemphisNOYESFEBRUARYFALL SRHOPE19,652
-3.85(U)$3,500$8,600$9,720$1,120Austin PeayDean'sClarksvilleYES-DECEMBERSPRING SRHOPE11,185
-3.00(w)$5,100$10,200--Any TN SchoolHOPE-YESNOJULYSPRING SRHOPE-
-4.00(U)$6,000$11,100$9,720$-1,380Austin PeayPresidentialClarksvilleYESYESDECEMBERSPRING SRHOPE11,185
-3.00(U)$6,000$11,100$31,750$20,650TreveccaChildersNashvilleYESYESAPRILAPPLICATIONHOPE3,196
-3.00(w)$8,000$13,100$26,558$13,458TusculumTusculum LegacyGreenevilleYESYESJULYSPRING SRHOPE1,022
-3.00(U)$9,000$14,100$27,360$13,260LMUCornerstoneHarrogateYESYESENROLLMENTENROLLMENTHOPE5,118
-2.75(w)$10,000$10,000$38,700$28,700Carson NewmanAchievementJefferson CityYESYESAPRILSPRING SR-2,922
-3.29(U)$11,000$16,100$27,360$11,260LMURail SplitterHarrogateYESYESENROLLMENTENROLLMENTHOPE5,118
-2.50(w)$12,000$12,000$38,700$26,700Carson NewmanFacultyJefferson CityYESYESAPRILSPRING SR-2,922
-3.63(U)$13,000$18,100$27,360$9,260LMUFoundersHarrogateYESYESENROLLMENTENROLLMENTHOPE5,118
-3.00(w)$14,000$19,100$38,700$19,600Carson NewmanDean'92sJefferson CityYESYESAPRILSPRING SRHOPE2,922
-3.78(U)$14,000$19,100$27,360$8,260LMUProvostHarrogateYESYESENROLLMENTENROLLMENTHOPE5,118
-3.96(U)$15,000$20,100$27,360$7,260LMUPresidentialHarrogateYESYESENROLLMENTENROLLMENTHOPE5,118
-3.50(w)$16,000$21,100$38,700$17,600Carson NewmanPresidentialJefferson CityYESYESAPRILSPRING SRHOPE2,922
-2.75(w)$16,000$16,000$39,712-MaryvilleKin TakahashiMaryvilleYESYESENROLLMENTSPRING SR-1,151
-3.00(w)$18,000$23,100$39,712-MaryvilleOrange & GarnetMaryvilleYESYESENROLLMENTSPRING SRHOPE1,151
-3.25(w)$20,000$25,100$39,712$14,612MaryvilleMC ScotsMaryvilleYESYESENROLLMENTSPRING SRHOPE1,151
-3.50(w)$22,000$27,100$39,712$12,612MaryvilleCovenant StoneMaryvilleYESYESENROLLMENTSPRING SRHOPE1,151
-3.75(w)$24,000$29,100$39,712$10,612MaryvilleDean'sMaryvilleYESYESENROLLMENTSPRING SRHOPE1,151
-4.00(w)$26,000$31,100$39,712$8,612MaryvillePresidentialMaryvilleYESYESENROLLMENTSPRING SRHOPE1,151
IPTP Explainer

IPTP Explainer

Introduction

This document serves as a guide to help families understand the scholarship chart. It explains various symbols and terms, ensuring a clear understanding of the scholarship opportunities available.

ACT Column

This column lists the ACT required for the listed scholarship. If no ACT is listed, no ACT score is required.

GPA Column

(u) = unweighted GPA, (w) = weighted GPA, (de) = Dual Enrollment GPA only, * = complicated system.

Awards

HOPE Scholarship

The HOPE scholarship, also known as the Lottery Scholarship, is a scholarship for Tennessee residents. Students who achieve a 21 ACT score or a 3.0 GPA are eligible for this scholarship at any Tennessee school they attend. The award amount varies: $4,500 for the first two years of college and $5,700 for the last two years. To simplify, we use an average of $5,100 per year.

GAMS Scholarship

The General Assembly Merit Scholarship (GAMS) is essentially the second level of the HOPE scholarship. Students who achieve a 3.75 weighted GPA and a 29 composite ACT score receive an additional $1,000 per year at any Tennessee school.

When scholarship qualifications align with the HOPE or GAMS criteria, we include that amount in this column. Some schools have already incorporated this amount into the list price of the scholarship, which explains why some scholarships meet the qualifications but do not add additional funds.

Tuition and Fees

Tuitions and fees are gathered from CollegeTuitionCompare.com. They represent the 2025-2026 estimates.

Tuition with Scholarship + HOPE and GAMS

In this column, we calculate the tuition for students by subtracting the scholarship amount from the tuition. Please note we use $5,100 for the average HOPE and $1,000 for the average G.A.M.S.

Scholarships

This section gives the name of the scholarship.

Superscore

The ACT automatically superscores every ACT test a student takes. This means that the ACT calculates a superscore by taking the best English, Math, Reading, and Science scores...

Last ACT/GPA Accepted

Most colleges allow students to continue taking the ACT and improving their GPA even after admission, which can impact their scholarship amounts.

Conclusion

This guide is intended to assist in navigating the scholarship chart. For additional information or questions, please contact us at 865-643-6030 or info@oaprep.com.

Please contact us if you have any questions or notice any inaccuracies!

If you have any questions or if you notice any inaccurate information, please send us an email or give us a call!