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Cost & financial aid brief

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# University of New Hampshire-Main Campus Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/university-of-new-hampshire-main-campus/)Cost & aid[Outcomes](/school/university-of-new-hampshire-main-campus/outcomes/)[Admissions](/school/university-of-new-hampshire-main-campus/admissions/)[Majors](/school/university-of-new-hampshire-main-campus/majors/)[Similar schools](/school/university-of-new-hampshire-main-campus/similar/)

**On this page**+

## How much does University of New Hampshire-Main Campus cost after financial aid?

University of New Hampshire-Main Campus starts from a published annual cost of attendance of $35,537, a relatively costly position beside comparable institutions. In-state tuition and fees are $19,202, while out-of-state tuition and fees are $39,852; room and board account for $14,142.

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 $23,805. Financial aid reduces the published total by $11,732 on average.

The peer median, the middle value for comparable institutions (same type and size), is $15,634, placing the university $8,171 above that benchmark. Azimuth ranks University of New Hampshire-Main Campus #1,055 for affordability among nonprofit four-year institutions.

The aid-adjusted average and peer comparison both point to a less favorable cost picture than at comparable institutions.

At University of New Hampshire-Main Campus, the cost picture trails comparable institutions: average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $23,805. That is $8,171 above the peer median, the middle value for comparable institutions (same type and size), of $15,634.

Azimuth puts its affordability pillar in the 25th percentile among nonprofit four-year institutions. Borrowers who complete have median federal student loan debt of $26,814, which is $6,738 above the peer median of $20,076.

Average net price is $16,523 for families in the lowest income band and $28,588 for families in the highest income band. Costs and debt both sit above comparable-institution medians.

The income-band schedule begins at an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $16,523 for the lowest-income band, then $17,476 for the next band, $19,446 for the middle band, $22,815 for the next-highest band, and $28,588 for the highest-income band. Pell Grant recipients account for 18.1% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $12,065.

Average net price by family income

**$0–30K**
$16,523

**$30–48K**
$17,476

**$48–75K**
$19,446

**$75–110K**
$22,815

**$110K+**
$28,588

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$23,805**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model expects for similar students, effectively at the expected level.

Azimuth places [earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$36,545

**Estimated parent payment**
$464/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 | 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](/financial-gps/?tool=parent&school=university-of-new-hampshire-main-campus#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**
$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

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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=university-of-new-hampshire-main-campus#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.