Cost & financial aid brief
University of North Georgia Tuition, Costs & Financial Aid
How much does University of North Georgia cost after financial aid?
For average aid recipients at University of North Georgia, grants and scholarships reduce the published cost by $8,354. Aid covers about 46% of the published cost for the average aid recipient, so the sticker price and the amount paid after aid are substantially different starting points.
Average net price, what aid recipients pay after grants and scholarships, is $6,981 for families in the lowest-income band and $13,481 in the highest-income band. The middle bands fall between those figures, and the spread between the lowest and highest bands is $6,500.
That pattern places larger average price reductions in the lower-income bands, without describing any individual aid package.
The published cost of attendance at University of North Georgia is $18,177. Azimuth ranks the university #88 for affordability among nonprofit four-year institutions.
After grants and scholarships, aid recipients in the lowest family-income band (under $30,000) average $6,981, those in the lower-middle band ($30,001–$48,000) average $7,261, those in the middle band ($48,001–$75,000) average $10,118, those in the upper-middle band ($75,001–$110,000) average $12,059, and those in the highest band (over $110,000) average $13,481. The spread between the lowest and highest bands is $6,500.
The average aid recipient sees $8,354 in savings against the published cost. In-state tuition and fees are $5,285, and out-of-state students pay $16,503.
The average net price across all aid recipients is $9,823, which is $5,811 below the peer median of $15,634 for comparable institutions (same type and size). Borrowers who finish carry a median of $17,750 in federal student loans.
That is $2,326 below the peer median of $20,076 for comparable institutions. About 64.3% of federal aid recipients take federal loans.
Parents who borrow hold a separate median of $12,100 in Parent PLUS loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $202 a month.
Student loans: what does repayment look like?
Borrowers who complete a degree at University of North Georgia leave with a median of $17,750 in federal student loans. That is $2,326 below the median of $20,076 for comparable institutions (same type and size).
About 64.3% of federal aid recipients take a federal loan. If the median debt is repaid over ten years, it corresponds to an estimated payment of $202 a month.
Parents who borrow hold a separate median of $12,100 in Parent PLUS loans.
Affordability is University of North Georgia’s strongest pillar, yet the investment picture pairs lower debt with earnings that fall short of expectation. Federally aided completers who are working and not enrolled earn a median of $55,974 four years after completion.
Azimuth places that earnings measure in the 36th percentile among nonprofit four-year institutions. Earnings beyond expectations also point downward.
That measure captures the gap between what graduates earn and what the model expects for similar students. Graduates earn about $9,695 less than the model expects for similar students.
Azimuth places this measure in the 20th percentile among nonprofit four-year institutions. The downside and upside scenarios are $45,940 and $79,434, with the typical scenario matching the median earnings already noted.
Median federal student loan debt is $17,750, $2,326 below the peer median of $20,076 at comparable institutions (same type and size). That debt corresponds to an estimated payment of $202 a month if repaid over ten years.
Lower borrowing and below-expected earnings present different signals for the investment assessment.
Parent borrowing is a separate part of the cost picture: median Parent PLUS borrowing is $12,100 among parent borrowers. For borrowers with median federal student debt, that debt corresponds to an estimated payment of $202 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
- $12,100
- Estimated parent payment
- $154/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 | 9.1% | Caution |
| $100,000 | 4.1% | Safe |
| $150,000 | 1.9% | Safe |
| $200,000 | 1.3% | 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
- $17,750
- Institution Parent PLUS debt
- $12,100
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $202/mo
- Estimated Parent PLUS payment · monthly
- $154/mo
- Modeled student + parent payments
- $356/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 $55,974, with a $23,940 annual allowance for basic expenses:
7.6% 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.