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Cost & financial aid brief

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# University of North Florida Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/university-of-north-florida/)Cost & aid[Outcomes](/school/university-of-north-florida/outcomes/)[Admissions](/school/university-of-north-florida/admissions/)[Majors](/school/university-of-north-florida/majors/)[Similar schools](/school/university-of-north-florida/similar/)

**On this page**+

## How much does University of North Florida cost after financial aid?

Affordability is the strongest pillar in the University of North Florida's Azimuth profile, and the numbers show why. The university publishes a federal cost of attendance of $20,983, with in-state tuition at $6,389 and room and board at $11,810.

Out-of-state tuition is $20,793. After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $10,154, a savings of $10,829 against the sticker total.

That average net price sits below the peer median of $15,634 for comparable institutions (same type and size) by $5,480. Azimuth ranks the university #71 for affordability among nonprofit four-year institutions.

Aid covers about 52% of the published cost for the average aid recipient, and the net price stays low across income bands. A low net price and a strong affordability rank point the same way: the University of North Florida delivers one of the more cost-conscious public options in its peer group.

Grants and scholarships lower the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients at University of North Florida to $10,154. That figure is $5,480 below the median at comparable institutions (same type and size).

Borrowers who complete leave with a median of $15,531 in federal loans, $4,545 below the peer median. Azimuth ranks the university #71 for affordability among nonprofit four-year institutions.

That places the pillar in the 95th percentile. By income band, the lowest averages $6,647 and the highest averages $17,730. Price and debt both sit below their peer medians.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a progressive structure. For families earning under $30,000 the average net price is $6,647; for $30,001–$48,000 it is $6,866; for $48,001–$75,000 it is $10,000; for $75,001–$110,000 it is $13,842; and for families earning over $110,000 it is $17,730.

Pell Grant recipients make up 30.8% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $11,083, a difference of averages that shows aid is concentrated on families with lower incomes.

Average net price by family income

**$0–30K**
$6,647

**$30–48K**
$6,866

**$48–75K**
$10,000

**$75–110K**
$13,842

**$110K+**
$17,730

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$10,154**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $13,835. The estimated monthly student payment if repaid over ten years is $177.

[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**
$13,835

**Estimated parent payment**
$176/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

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, $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.

[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-north-florida#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.