Cost & financial aid brief
North Carolina A & T State University Tuition, Costs & Financial Aid
How much does North Carolina A & T State University cost after financial aid?
At North Carolina A & T State University, the average net price, what aid recipients pay after grants and scholarships, is $10,846 against a published cost of $20,427. That sticker-to-net gap leaves $9,581 in average aid savings, and aid covers about 47% of the published cost for the average aid recipient.
Across the five family-income bands from lowest to highest, average net prices are $8,223, $9,462, $11,973, $16,454, and $17,311. The ordering points to lower average prices in lower-income bands and a smaller aid offset toward the upper end.
The published cost of attendance at North Carolina A & T State University is $20,427. Average net price, what aid recipients pay after grants and scholarships, is $8,223 in the lowest family-income band, $9,462 in the next band, $11,973 in the middle band, $16,454 in the next-highest band, and $17,311 in the highest band.
The spread between the lowest and highest bands is $9,088. Azimuth ranks the university #380 for affordability among nonprofit four-year institutions.
For the average aid recipient, aid covers about 47% of the published cost, a savings of $9,581. Across all aid recipients, the average net price is $10,846, compared with a peer median of $15,634, the middle value for comparable institutions (same type and size).
That average sits $4,788 below the peer figure, so aid recipients face a lower average price than at comparable institutions. Federal student loan borrowers who complete have median debt of $27,000, and 92.9% of federal aid recipients borrow federal loans.
The peer median federal debt at comparable institutions (same type and size) is $20,076, placing the university $6,924 above that level. That debt corresponds to an estimated payment of $307 a month if repaid over ten years.
Median Parent PLUS borrowing for parent borrowers is $20,004.
Student loans: what does repayment look like?
Borrowing is widespread at North Carolina A & T State University, where 92.9% of federal aid recipients take federal loans. Among federal-loan borrowers who complete, median federal student loan debt is $27,000.
The peer median, the middle value for comparable institutions (same type and size), is $20,076, and this university’s median is $6,924 above it. For the separate parent-borrower population, median Parent PLUS borrowing is $20,004.
In its 2024-25 Common Data Set, the university reported that 70% of graduates borrowed from any source, with an average cumulative amount of $28,012 per borrower. That group included 69% of graduates with federal loans averaging $21,869. It also included 12% of graduates with private loans averaging $38,600.
A guarded investment picture emerges at North Carolina A & T State University from its earnings and borrowing figures. Federally aided completers who are working and not enrolled earn a median of $56,996 four years after completion.
Azimuth places those earnings in the 39th percentile among nonprofit four-year institutions. Earnings beyond expectations, the gap between what graduates earn and what expects for similar students, provide a second measure.
Graduates earn about $5,026 less than the model expects for similar students. Azimuth places that measure in the 36th percentile among nonprofit four-year institutions.
The downside earnings scenario is $43,900 and the upside scenario is $93,798; the typical scenario matches the observed median. Median federal student loan debt is $27,000, $6,924 above the peer median of $20,076, the middle value for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $307 a month if repaid over ten years. Lower-than-expected earnings and debt above the peer median point in the same direction.
Parent borrowers have median Parent PLUS borrowing of $20,004, a separate borrowing population from student borrowers. The median federal student debt corresponds to an estimated payment of $307 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $20,004
- Estimated parent payment
- $254/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 15.0% | High pressure |
| $100,000 | 6.7% | Caution |
| $150,000 | 3.2% | Safe |
| $200,000 | 2.1% | Safe |
The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. Open the parent tool for your own numbers. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $27,000
- Institution Parent PLUS debt
- $20,004
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $307/mo
- Estimated Parent PLUS payment · monthly
- $254/mo
- Modeled student + parent payments
- $561/mo
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $56,996, with a $23,940 annual allowance for basic expenses:
11.1% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- Concerning 12–20%
- High risk Over 20%
How this estimate works
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $23,940, uses the published framework’s 2026 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.
Payment assumptions
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, founder of College Azimuth.
Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.
Figure notes link to sources and limitations. About College Azimuth.
Net price and borrowing. The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. College Scorecard data and documentation.
A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.