Cost & financial aid brief
University of New Hampshire-Main Campus Tuition, Costs & Financial Aid
How much does University of New Hampshire-Main Campus cost after financial aid?
Aid covers about 33% of the published cost for the average aid recipient, but the overall price remains above the peer benchmark. The difference between the published total and the aid-adjusted average shows that grants and scholarships reduce the listed cost without making it a personal price quote.
Across the five income bands, average net prices move upward from the lowest-income families through the highest-income families. That pattern shows deeper aid offsets at lower income levels, rather than an even discount across family incomes.
The lowest-band average and the overall average point in the same direction: aid recipients with lower family incomes face the lower listed averages. Yet the university's overall aid-adjusted price remains above the comparable-institution median.
The published cost of attendance at University of New Hampshire-Main Campus is $35,537, and costs vary markedly by family income after aid. Average net price, what aid recipients pay after grants and scholarships, is $16,523 for the lowest family-income band, $17,476 for the lower-middle band, $19,446 for the middle band, $22,815 for the upper-middle band, and $28,588 for the highest band.
The spread between the lowest and highest bands is $12,065. Azimuth ranks the university #1,055 for affordability among nonprofit four-year institutions.
For the average aid recipient, aid offsets $11,732 and covers about 33% of the published cost. Across all aid recipients, the average net price is $23,805, which is $8,171 above the peer median of $15,634 at comparable institutions (same type and size).
Published in-state tuition and fees are $19,202, compared with out-of-state tuition and fees of $39,852; room and board is $14,142. The aid offset helps reduce listed charges, but the average price remains above that of comparable institutions.
Federal borrowing is widespread: 96.3% of federal aid recipients take federal loans. Among borrowers who completed, median federal student loan debt at completion is $26,814, $6,738 above the peer median of $20,076 at comparable institutions (same type and size).
That debt corresponds to an estimated payment of $305 a month if repaid over ten years. Median Parent PLUS borrowing is $36,545.
Student loans: what does repayment look like?
Federal borrowing is widespread at University of New Hampshire-Main Campus, where 96.3% of federal aid recipients take federal loans. Among borrowers who completed, median federal student loan debt is $26,814.
The peer median, the middle value for comparable institutions (same type and size), is $20,076; the university's median is above it by $6,738. For Parent PLUS borrowers, a separate parent-borrower population, the median debt is $36,545.
At University of New Hampshire-Main Campus, earnings and borrowing present a mixed investment picture. Federally aided completers who are working and not enrolled earn median earnings of $71,253 four years after completion.
Azimuth places that figure in the 78th percentile among nonprofit four-year institutions. Graduates earn about $773 more than expects for similar students, effectively at the expected level.
Azimuth places earnings beyond expectations in the 58th percentile among nonprofit four-year institutions. The earnings scenarios range from $52,266 in a downside scenario to $90,603 in an upside scenario, with $71,253 as the typical scenario.
Median federal student debt at completion is $26,814, above the $20,076 peer median by $6,738. That debt corresponds to an estimated payment of $305 a month if repaid over ten years. Earnings sit near the model expectation, while debt exceeds the peer median.
Among the separate parent-borrower population, median Parent PLUS borrowing is $36,545. For student borrowers, the median federal debt corresponds to an estimated payment of $305 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
- $36,545
- Estimated parent payment
- $464/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 | 27.4% | High pressure |
| $100,000 | 12.3% | High pressure |
| $150,000 | 5.8% | Safe |
| $200,000 | 3.8% | 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
- $26,814
- Institution Parent PLUS debt
- $36,545
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $305/mo
- Estimated Parent PLUS payment · monthly
- $464/mo
- Modeled student + parent payments
- $769/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 $71,253, with a $23,940 annual allowance for basic expenses:
7.7% 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.