Cost & financial aid brief
University of North Florida Tuition, Costs & Financial Aid
How much does University of North Florida cost after financial aid?
The published cost of attendance is $20,983. For the average aid recipient, grants and scholarships reduce that by $10,829, covering about 52% of the sticker price.
The pattern across income bands is progressive. The lowest band averages $6,647, rising to $17,730 for families earning over $110,000. The middle bands fall between those two ends.
The published cost of attendance at University of North Florida is $20,983. Azimuth ranks the university #71 for affordability among nonprofit four-year institutions.
The average net price, what aid recipients pay after grants and scholarships, is $6,647 for families earning under $30,000, $10,000 for those earning $48,001 to $75,000, and $17,730 for those earning over $110,000. The spread between the lowest and highest bands is $11,083.
Aid saves the average recipient $10,829 against the sticker price. The average net price across all aid recipients is $10,154, which is $5,480 below the peer median of $15,634 for comparable institutions (same type and size).
About 75.6% of federal aid recipients take federal loans. Borrowers who finish carry a median of $15,531 in federal student loans, which is $4,545 below the peer median of $20,076 for comparable institutions.
Parents who borrow hold a separate median of $13,835 in Parent PLUS loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $177 a month.
Student loans: what does repayment look like?
The median federal debt for University of North Florida completers who borrowed is $15,531. That level is below the $20,076 median for comparable institutions (same type and size) by $4,545.
Federal loans reach 75.6% of federal aid recipients, which means that most undergraduates take on some federal obligation. Parent borrowers are a distinct group, and their median Parent PLUS debt stands at $13,835.
The return picture at University of North Florida is mixed. Graduates earn a median of $59,418 four years after completion, which is below the $65,610 median for comparable institutions (same type and size) by $6,192.
That median sits in the 49th percentile among nonprofit four-year institutions. Graduates earn about $6,121 less than expects for similar students, an outcome in the 31st percentile nationally.
Earnings scenarios derived from the university's program mix show a downside scenario of $45,972 and an upside scenario of $81,347. The median federal student debt at completion is $15,531, which is below the $20,076 peer median by $4,545.
That debt corresponds to an estimated payment of $177 a month if repaid over ten years. Earnings trail both the peer median and the model's expectation.
The debt load is lighter than peers'. These point in different directions for a prospective student weighing cost against return.
Median Parent PLUS borrowing, a separate parent-borrower population, is $13,835. The estimated monthly student payment if repaid over ten years is $177.
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
- $13,835
- Estimated parent payment
- $176/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
- $15,531
- Institution Parent PLUS debt
- $13,835
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $177/mo
- Estimated Parent PLUS payment · monthly
- $176/mo
- Modeled student + parent payments
- $353/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 $59,418, with a $22,590 annual allowance for basic expenses:
5.8% 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, $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.