Cost & financial aid brief
University of Florida Tuition, Costs & Financial Aid
How much does UF cost after financial aid?
Aid covers about 71% of the published cost for the average aid recipient, leaving a sticker-to-net gap of $15,982. The lower-income bands have lower average net prices than the middle and upper-income bands, with costs increasing across the listed income range.
The $14,741 spread describes a pattern of lower average net prices at lower incomes, rather than an individual aid package.
The published cost of attendance at University of Florida is $22,523. Azimuth ranks the university #54 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $1,982, for those earning $48,001 to $75,000 it is $7,151, and for those earning over $110,000 it is $16,723. The spread between the lowest and highest bands is $14,741.
Aid covers about 71% of the published cost for the average aid recipient, bringing the average net price across all aid recipients to $6,541. That is $9,093 below the median of $15,634 for comparable institutions (same type and size).
About 65.7% of federal aid recipients take federal loans. Borrowers who finish carry a median of $15,000 in federal student loans, which is $5,076 below the peer median of $20,076.
Parents who borrow through Parent PLUS hold a separate median of $18,837. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $170 a month.
Student loans: what does repayment look like?
Federal borrowing reaches 65.7% of federal aid recipients at University of Florida. Among borrowers who complete, median federal student loan debt is $15,000, $5,076 below the peer median of $20,076 for comparable institutions (same type and size).
Parents who borrow through the separate Parent PLUS program hold a median of $18,837. In its 2025-26 Common Data Set, the university reported that 16% of its 6,517 bachelor's graduates who started as first-time students borrowed from any source.
The average cumulative debt among those borrowers was $18,745. Nearly all of those borrowers held federal loans, including 16% of graduates who averaged $14,698 in federal principal.
A much smaller share of graduates, 2%, took out private loans, averaging $32,521 among those who did.
University of Florida combines earnings that sit well above the peer median—the middle value for comparable institutions (same type and size)—with borrowing that runs below it. Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $77,321, at the 86th percentile nationally.
Graduates earn about $13,469 more than expects for similar students. That places the gap at the 89th percentile.
Earnings scenarios, estimated from the program mix, range from $50,938 in a downside case to $105,435 in an upside case. The typical earnings scenario is $77,321.
On the borrowing side, completers who took federal loans carry a median of $15,000. That is $5,076 below the peer median of $20,076.
The debt corresponds to an estimated payment of $170 a month if repaid over ten years.
For the separate population of parent borrowers, median Parent PLUS borrowing is $18,837. For student borrowers, the median federal debt corresponds to an estimated payment of $170 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
- $18,837
- Estimated parent payment
- $239/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 | 14.1% | High pressure |
| $100,000 | 6.3% | Caution |
| $150,000 | 3.0% | Safe |
| $200,000 | 2.0% | 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
- $15,000
- Institution Parent PLUS debt
- $18,837
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $170/mo
- Estimated Parent PLUS payment · monthly
- $239/mo
- Modeled student + parent payments
- $409/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 $77,321, with a $23,940 annual allowance for basic expenses:
3.8% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- 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.