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Cost & financial aid brief

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# North Carolina A & T State University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/north-carolina-a-t-state-university/)Cost & aid[Outcomes](/school/north-carolina-a-t-state-university/outcomes/)[Admissions](/school/north-carolina-a-t-state-university/admissions/)[Majors](/school/north-carolina-a-t-state-university/majors/)[Similar schools](/school/north-carolina-a-t-state-university/similar/)

**On this page**+

## How much does North Carolina A & T State University cost after financial aid?

North Carolina A & T State University offers a comparatively lower average price after aid, even though its published cost of attendance is $20,427. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $10,846, and average aid savings against the published cost are $9,581.

In its 2024-25 Common Data Set, the university reported in-state tuition of $3,540 for the 2025-26 academic year. Out-of-state tuition was $17,050, with required fees of $3,193.

On-campus food and housing carried a sticker charge of $8,397. That average net price is $4,788 below the $15,634 peer median for comparable institutions (same type and size).

Azimuth places the affordability pillar in the 73rd percentile among nonprofit four-year institutions. The lower average price relative to peers and the affordability standing point in the same direction.

First-time, full-time aid recipients face a lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) than comparable schools, although median federal debt is higher. Average net price, what aid recipients pay after grants and scholarships, is $10,846, $4,788 below the peer median—the middle value for comparable institutions (same type and size)—of $15,634.

Azimuth places the affordability pillar in the 73rd percentile among nonprofit four-year institutions. Completers with federal loans have median federal student loan debt of $27,000, $6,924 above the peer median of $20,076.

From the lowest through the highest income band, average net prices are $8,223, $9,462, $11,973, $16,454, and $17,311.

Aid recipients in lower income bands face lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s, with prices stepping upward through each band. Average net price is $8,223 for families in the lowest band; $9,462 for the next-lowest band; $11,973 for the middle band; $16,454 for the next-highest band; and $17,311 for the highest band.

Pell Grants reach 52.3% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $9,088.

Average net price by family income

**$0–30K**
$8,223

**$30–48K**
$9,462

**$48–75K**
$11,973

**$75–110K**
$16,454

**$110K+**
$17,311

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$10,846**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

At North Carolina A & T State University, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/a-value-added-approach-to-college-outcomes/), the gap between what graduates earn and what the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$20,004

**Estimated parent payment**
$254/mo

Modeled Parent PLUS pressure by income

| 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](/financial-gps/?tool=parent&school=north-carolina-a-t-state-university#parent-tool). [Read the assumptions and limits](#cost-data-notes).

## 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

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
3.  Concerning 12–20%
4.  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.

[Read the framework and its limits](/analysis/financial-gps-framework/).

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.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=north-carolina-a-t-state-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), 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](/about/).

**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](https://collegescorecard.ed.gov/data/).

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.