Kentucky wants its residents to enjoy higher incomes, accelerated job growth, and improved quality of life — all of which is aided by earning a college degree. The state launched the 60×30 initiative in 2016 to improve the number of Kentucky residents with a postsecondary credential or a degree to 60% by 2030. Kentucky schools responded by adding more flexible attendance options for students, including fully online programs.
This guide explores the cost and benefits of attending an online Kentucky college with a ranking of the top most affordable online colleges in the state. Our guide provides answers to common questions about online programs, enrollment deadlines, transfer credits, and financial resources.
All of Kentucky's best and most affordable online colleges offer three or more online degrees and maintain accreditation at the regional or national level. Our ranking considers the average in-state net price for undergraduates, the number of students receiving scholarships or grants from the school, and the availability of job placement services, with data from The Integrated Postsecondary Education Data System managed by NCES. Explore the degrees available at these Kentucky colleges.
AffordableCollegesOnline.org is an advertising-supported site. Featured or trusted partner programs and all school search, finder, or match results are for schools that compensate us. This compensation does not influence our school rankings, resource guides, or other editorially-independent information published on this site.
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Why Choose Kentucky for Online Higher Education?
Online programs make it easier for students to earn a postsecondary degree. Single parents, full-time workers, or people in remote areas find it difficult to juggle their many responsibilities with a set class schedule. Asynchronous course scheduling lets students complete coursework around their schedules. Kentucky offers 24 public institutions, many of which feature distance education options at the undergrad and graduate levels.
Cost of Attending an Online College in Kentucky
Many public universities in Kentucky offer tuition discounts for in-state residents. Some schools extend the in-state tuition benefit to residents of nearby counties in neighboring states. Other schools charge students a flat fee per credit hour.
In-State Tuition
- $10,888 – public, 4-year institution
- $4,395 – public, 2-year institution
Out-of-State Tuition
- $26,048 – public, 4-year institution
- $14,826 – public, 2-year institution
Source: National Center for Education Statistics
Fees for online programs vary by school. Some schools allow online students to pay a flat rate when enrolled as full-time students. Other schools may not offer full-time enrollment discounts for online students. However, distance learners may also benefit from reduced campus costs, such as lab fees, activity fees, parking fees, or housing and meal plans.
Considering a Kentucky School as an Out-of-State Student
Many out-of-state students choose to attend online colleges in Kentucky. Kentucky participates in the Southern Regional Education Board (SREB), a consortium of 16 states that allows students from the member states to seek specialized education through a Kentucky school at in-state tuition rates. Reciprocity agreements also help students pursue degrees from Kentucky online colleges. However, out-of-state students should ensure their school has gained authorization to serve students in their state.
Tuition Discounts
The SREB offers an Academic Common Market (ACM), which allows students to seek certain online degrees through out-of-state member schools with in-state tuition. The partnership includes 15 states and over 2,000 undergrad and graduate programs. The ACM provides access to online degrees nationwide, helping learners complete their degrees or enhance their professional development.
For the 2020-21 academic year, students saved $14,139 on average on tuition costs with the ACM. Many schools also participate in tuition incentive programs that offer reduced tuition and scholarship opportunities for some out-of-state students.
State Authorizations for Online Learning
Before a school may offer educational services to students in Kentucky, it must gain approval from the Kentucky Council on Postsecondary Education. This approval ensures schools meet certain quality standards to ensure students earn a quality degree that employers and other schools will recognize. Authorization, however, does not take the place of institutional accreditation. Students should ensure their school has gained both credentials.
Frequently Asked Questions for Kentucky's Online Schools
Earning a degree can open up new career opportunities. But formats and requirements vary widely by school. Before choosing from the top affordable online colleges in Kentucky, consider the frequently asked questions below.
Do Online Credits Cost More or Less in Kentucky?
Policies on online tuition vary from by school. Some schools, such as Western Kentucky University, charge the same fee for in-state and out-of-state students enrolled in distance learning courses. Other schools let online students pay the same tuition rate as in-state students.
Will Any Online Colleges in Kentucky Accept a GED?
Kentucky colleges require applicants to hold a high school or GED diploma. Many schools need additional documentation, such as the completion of an approved home-school curriculum or distance learning high school program.
Do Any Online Colleges in Kentucky Start Every Week, or Month?
Kentucky's online colleges provide various attendance options, including full-time or part-time scheduling. These flexible formats help students balance their school-life responsibilities. Multiple start dates also allow learners to pursue their degree as soon as possible, rather than wait for a yearly or semi-annual start date. For example, Eastern Kentucky University in Richmond offers accelerated eight-week classes through its online programs with six start dates per year. Benefits of this schedule include the ability to focus on one or two courses at a time and earn more credits in a year.
Which Online Colleges Will Accept FAFSA in Kentucky?
All colleges that participate in federal or state student aid programs accept the Free Application for Federal Student Aid (FAFSA). Students graduating from high school will need their parents' income and tax information. Degree-seekers older than 24 do not need these materials, as the Department of Education considers them independent students.
How Can I Find the Online Program Options at Kentucky's Colleges?
Students can find online programs by researching prospective schools' websites for their distance learning offerings. They can also ask a school's admissions counselor for more information on online degrees.
Kentucky's Top Affordable Online Colleges 2022
See Our Rankings Methodology
#1 Best Online Schools in Kentucky
Murray State University
- Murray, KY
- 4 years
- Online + Campus
The undergraduate programs at Murray State University help professionals move into new careers or advance in their current field. The school's online certificates and degrees rank among the best in the nation. The distance learning programs feature video lectures, assignments, and class discussions. Students can use elective credits to obtain a specialized minor.
The Kentucky institution offers a robust catalog of degrees for undergraduate and graduate students.
Murray State University at a Glance:
Undergrad School Tuition: $7,974 in-state; $23,592 out-of-state
Average Aid Amount Per Student: $9,138
Average Price With Financial Aid: $11,512
Rate of Undergraduate Graduation: 55%
Transfer Credits Permitted: No
Multiple start dates provide enrollment flexibility. Undergraduates can expect an 82% admission rate. Students gain the knowledge and skills they need to secure roles in their field. Prospective learners can use test scores to bolster their application. The school holds accreditation from the Southern Association of Colleges and Schools Commission on Colleges.
Percent Online Enrollment
40%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#2 Best Online Schools in Kentucky
Campbellsville University
- Campbellsville, KY
- 4 years
- Online + Campus
Located in Kentucky, Campbellsville University offers 87 total programs. The private institution delivers programs using both in-person and online formats. The distance learning programs feature a flexible format and a 14-to-1 student-to-faculty ratio. Working professionals and busy students choose from the school's many top-ranking programs created with their needs in mind.
Remote learners communicate with teachers and peers in an online classroom setting. They learn key skills and information for their future careers. In general education classes, students gain critical thinking and problem-solving abilities, both in-demand skills in today's workforce. The online school supports distance learners through academic advising, tutoring services, and career counseling. The degrees that enrollees receive upon graduation meet accreditation standards.
Campbellsville University Numbers:
Two-Year Programs Available Online: 4
Total Online Bachelor's Programs: 8
Online Master's Programs Available: 14
Per-Credit Price: $423
Rate of Acceptance: 70%
Percent Online Enrollment
77%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#3 Best Online Schools in Kentucky
Midway University
- Midway, KY
- 4 years
- Online + Campus
One of the best colleges in Kentucky, Midway University administers 28 online programs. Working professionals can pursue 16 bachelor's programs and four online programs in various majors. Nontraditional learners can continue their careers as they flexibly attend online schools. Students enroll at the university for degrees that routinely rank among the nation’s best. Transfer credits allow students to complete a bachelor’s in less than four years. Learners pursue master’s degrees in a variety of fields. Degree-seekers complete community field experiences in some graduate programs.
The school offers educational options that students can afford. The admissions department requires school transcripts. Midway University offers degrees that hold accreditation from the Southern Association of Colleges and Schools Commission on Colleges.
Midway University Fast Facts:
Number of Programs: 28
Online Bachelor’s Programs: 16
Number of Associate Degrees Available Online: 1
Total Master’s Programs Available Online: 4
Average Cost of Undergraduate Tuition: $24,500
Percent Online Enrollment
73%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#4 Best Online Schools in Kentucky
Brescia University
- Owensboro, KY
- 4 years
- Online + Campus
Students enroll in a total of 43 programs offered by Brescia University from its Owensboro, Kentucky, campus. Learners earn degrees in person and virtually at the institution. Degree-seekers in online programs enjoy a 13-to-1 student-to-faculty ratio and flexible, accessible formats. The school designs its top-ranking programs for busy students and working professionals.
When earning a degree remotely, distance learners communicate with teachers and peers in an online classroom space. They gain foundational knowledge and skills in their chosen discipline. Classes covering general education requirements allow students to develop critical thinking and problem-solving abilities, both in-demand skills in today's workforce. Distance learners benefit from the online school's academic advising, tutoring services, and career counseling. Enrollees receive a degree that meets accreditation standards.
Brescia University Numbers:
Total Associate Degrees Available Online: 4
Available Online Bachelor's Programs: 7
Online Master's Programs Available: 2
Student Admission Rate: 42%
Percent Online Enrollment
43%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#5 Best Online Schools in Kentucky
University of the Cumberlands
- Williamsburg, KY
- 4 years
- Online + Campus
The University of the Cumberlands is one of the nation's top online colleges. Distance learners at the accredited institution can pursue one of 10 online bachelor's programs. The university offers 25 online master's programs for graduate students. The school's distance learners total 15,449.
As a private institution in Williamsburg, Kentucky, the school enrolls 5,957 degree-seekers on average. Distance learners attend class virtually from across the country. Those enrolled online at the institution benefit from the student services designed for them. Students receive academic advising, financial aid counseling, and career services at the online school.
With programs in a variety of popular fields, the online school meets the needs of many degree-seekers. Distance learners graduate with an accredited degree that meets the requirements for diverse career paths. Offering a low-cost education is one of the institution's top priorities.
Percent Online Enrollment
91%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#6 Best Online Schools in Kentucky
Western Kentucky University
- Bowling Green, KY
- 4 years
- Online + Campus
A virtual college located in Bowling Green, Western Kentucky University offers 251 online degrees. Degree-seekers can enroll in 15 bachelor's programs and 27 master's programs online in various fields. Nontraditional learners enjoy the flexibility of online schools. Learners receive access to some of the nation’s top-ranked degrees at the school. Students complete a four-year bachelor’s degree faster with transfer credits. Graduate students can earn master’s degrees in many fields. Some graduate programs require field experience in the community.
The college’s affordable degrees appeal to busy students. The school requires transcripts for admission. Distance learners earn degrees at Western Kentucky University, accredited by the Southern Association of Colleges and Schools Commission on Colleges.
Western Kentucky University at a Glance:
On-Campus and Online Programs: 251
Bachelor’s Degrees Available Online: 15
Two-Year Programs Available Online: 6
MA/MS Degrees Available Online: 27
Cost of Undergraduate Tuition for State Residents: $10,802
Percent Online Enrollment
41%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#7 Best Online Schools in Kentucky
University of Louisville
- Louisville, KY
- 4 years
- Online + Campus
A public Kentucky institution, the University of Louisville ranks among the best online schools. A total of 2,624 distance learners enroll in the accredited school's undergraduate and graduate programs. The institution offers online degree-seekers an academic catalog with nine bachelor's programs and 12 master's programs.
Students interested in many different career paths get their needs met by the school's most popular majors, in fields such as STEM, healthcare, and business. Participants engage with course material through a remote learning setting. In-person requirements can often be completed in a distance learner's local area. Online students benefit from student services such as academic advising, career counseling, and online tutoring.
Most students complete a bachelor's degree in four years. People complete their program faster by bringing in credits from previous college experiences. Accelerated program options are available as well. Students at the online school can expect to spend $553 per credit on average.
Percent Online Enrollment
12%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#8 Best Online Schools in Kentucky
Lindsey Wilson College
- Columbia, KY
- 4 years
- Online + Campus
A Columbia, Kentucky, school, Lindsey Wilson College offers 41 total programs. The private institution features programs delivered in person and remotely. A 17-to-1 student-to-faculty ratio and flexible format benefit degree-seekers in the online programs. The school's top-ranking programs especially appeal to busy students and working professionals.
During an online program, distance learners interact with faculty and classmates in a virtual classroom. Programs teach them foundational skills and knowledge in their chosen major. Students develop in-demand skills like critical thinking and problem-solving in classes that fulfill the general education requirements. The online school's distance learners receive support through academic advising, tutoring services, and career counseling. Enrollees graduate with a degree from an accredited institution.
Lindsey Wilson College Fast Facts:
Online Bachelor's Programs Available: 3
Online Master's Programs: 3
Admission Rate
Not provided
Percent Online Enrollment
48%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#9 Best Online Schools in Kentucky
Eastern Kentucky University
- Richmond, KY
- 4 years
- Online + Campus
Students enroll in a total of 161 programs offered by Eastern Kentucky University from its Richmond campus. Besides in-person programs, the public institution features online programs. The online programs' flexibility and 15-to-1 student-to-faculty ratio appeal to many degree-seekers. Busy students and working professionals benefit from top-ranking programs designed with them in mind.
During an online degree, distance learners interact with faculty and classmates in a virtual classroom. They learn important skills and information for their chosen field. Developing in-demand skills, such as problem-solving and critical thinking, is one of the many benefits of general education classes. The online school provides distance learners with academic advising, tutoring services, and career counseling to support their academic journeys. Degrees from the institution meet accreditation standards.
Eastern Kentucky University Statistics:
Number of Associate Programs Available Online: 4
Available Online Bachelor's Programs: 17
Number of Available Online Master's Programs: 16
Price Per Credit: $474
Percent of Students Accepted: 94%
Percent Online Enrollment
44%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
#10 Best Online Schools in Kentucky
Morehead State University
- Morehead, KY
- 4 years
- Online + Campus
Virtual learners can pursue liberal arts and professional studies programs at Morehead State University, a nonprofit school. Online learning allows working professionals to conveniently earn accredited degrees while they continue their careers.
A 120-credit baccalaureate program typically takes four years to complete. A master’s program traditionally takes about two years to complete. Students use live and recorded classes. The degrees blend theoretical learning and practical experience such as fieldwork and internships. Degree-seekers complete assignments within a set time frame.
Students can begin their education with the school's certificates or associate degrees. Support services for online learners include tutoring and career advising. Degree-seekers pay competitive tuition rates for online degrees at Morehead State University. Enrollees receive an average total aid package of $9,428. Learners can expect a 78% admission rate.
Morehead State University is accredited by the Southern Association of Colleges and Schools Commission on Colleges.
Percent Online Enrollment
46%
Percentage of all students who are enrolled online.
Accreditation
Yes
Southern Association of Colleges and Schools Commission on Colleges
AffordableCollegesOnline.org is an advertising-supported site. Featured or trusted partner programs and all school search, finder, or match results are for schools that compensate us. This compensation does not influence our school rankings, resource guides, or other editorially-independent information published on this site.
Featured Online Programs
Find a program that meets your affordability, flexibility, and education needs through an accredited, online school.
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