Cost & financial aid brief
University of North Carolina at Pembroke Tuition, Costs & Financial Aid
How much does University of North Carolina at Pembroke cost after financial aid?
The average aid recipient sees a reduction of $7,001 from the published cost, with aid covering about 41% of the sticker price. Net prices increase across the income bands, but the spread is modest.
The lowest-income band averages $7,919 while the highest band averages $15,999, a spread of $8,080 between the two ends.
The published cost of attendance at University of North Carolina at Pembroke is $17,261. Azimuth ranks the university #229 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 $7,919, for those earning $48,001 to $75,000 it is $10,932, and for those earning over $110,000 it is $15,999. The spread between the lowest and highest bands is $8,080.
Aid covers about 41% of the published cost for the average aid recipient. The across all aid recipients is $10,260, which is $3,808 below the $14,068 median for comparable institutions (same type and size).
Borrowers who complete a degree leave with a median of $25,000 in federal student loans. That is $3,771 above the $21,229 peer median for comparable institutions.
85.3% of federal aid recipients take federal loans. Parents who borrow hold a separate median of $10,984 in Parent PLUS loans.
If repaid over ten years, the median federal debt corresponds to an estimated payment of $284 a month. It helps families see what the net price might look like for their own situation.
Student loans: what does repayment look like?
Federal borrowing is common at University of North Carolina at Pembroke: 85.3% of federal aid recipients take federal loans. Among borrowers who complete, the median federal student debt is $25,000.
That is $3,771 above the peer median of $21,229 for comparable institutions (same type and size). If repaid over ten years, the median debt corresponds to an estimated payment of $284 a month.
In its 2025-26 Common Data Set, the university reported that 65% of its 470 bachelor's graduates borrowed from any source, with an average cumulative amount of $20,768 per borrower. Of whom 65% held federal loans, averaging $20,670.
Parents who borrow through the Parent PLUS program hold a separate median of $10,984.
Median earnings for federally aided completers who are working and not enrolled at University of North Carolina at Pembroke are $49,668 four years after completion. That sits in the 17th percentile among nonprofit four-year institutions.
According to , graduates earn about $7,064 less than the model expects for similar students, a result in the 28th percentile. The program mix supports earnings scenarios of $49,668 in a typical case, $43,063 on the downside and $66,451 on the upside.
Those who finish hold a median federal student debt of $25,000. That amount is $3,771 above the peer median of $21,229 for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated payment of $284 a month. The figures show earnings below the model's expectation alongside debt above the peer median.
For the separate population of parent borrowers, median Parent PLUS borrowing is $10,984. For student borrowers, that debt corresponds to an estimated payment of $284 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
- $10,984
- Estimated parent payment
- $140/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $25,000
- Institution Parent PLUS debt
- $10,984
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $140/mo
- Modeled student + parent payments
- $424/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 $49,668, with a $22,590 annual allowance for basic expenses:
12.6% of income above the allowance · Concerning
- Excellent Under 8%
- Good 8–under 12%
- Concerning 12–20% · selected scenario
- 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, $22,590, uses the published framework’s 2024 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.