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Cost & financial aid brief

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# University of Puerto Rico-Arecibo Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

## How much does University of Puerto Rico-Arecibo cost after financial aid?

University of Puerto Rico-Arecibo lists a published cost of attendance of $17,710, with in-state tuition and fees of $5,354. For the average aid recipient, grants and scholarships cover about 40% of that sticker price, bringing the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) down to $10,680.

That average net price is $3,388 below the $14,068 median for comparable institutions (same type and size). Azimuth ranks the university #27 for affordability among nonprofit four-year institutions.

The net price is what aid recipients pay after grants and scholarships, and the savings against the published cost average $7,030. The affordability pillar sits at the 98th percentile.

Borrowers who complete at University of Puerto Rico-Arecibo hold a median of $4,500 in federal student loans. That amount is $16,729 below the median for comparable institutions (same type and size).

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is the amount aid recipients pay after grants and scholarships. That figure is $10,680, $3,388 below the median at comparable institutions (same type and size).

By income band, the lowest band averages $10,332 and the highest averages $12,960. The affordability pillar falls in the 98th percentile among nonprofit four-year institutions.

Average net price by family income

**$0–30K**
$10,332

**$30–48K**
$11,033

**$48–75K**
$12,065

**$75–110K**
$12,960

**$110K+**
Not reported

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$10,680**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 40% of the published cost for the average aid recipient at University of Puerto Rico-Arecibo, a public university in Arecibo, Puerto Rico. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for first-time full-time Title IV aid recipients is $10,680, which is $3,388 below the $14,068 median for comparable institutions (same type and size).

That average net price is what aid recipients pay after grants and scholarships, and it sits well below the published cost of attendance. The pattern is one of broad affordability, with the average net price staying within a narrow band across family incomes.

The published cost of attendance is $17,710, and Azimuth ranks University of Puerto Rico-Arecibo #27 for affordability among nonprofit four-year institutions. After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients from families earning under $30,000 is $10,332.

For those earning $48,001 to $75,000, it is $12,065. For those earning $75,001 to $110,000, it is $12,960.

Aid covers about 40% of the published cost for the average aid recipient. The average net price across all aid recipients is $10,680, which is $3,388 below the $14,068 median for comparable institutions (same type and size).

Borrowers who finish carry a median of $4,500 in federal student loans, $16,729 below the peer median of $21,229. About 5.9% of federal aid recipients take federal loans.

That debt corresponds to an estimated payment of $51 a month if repaid over ten years. It estimates your cost and aid scenario.

## Student loans: what does repayment look like?

Federal borrowing is rare at University of Puerto Rico-Arecibo. Only 5.9% of federal aid recipients take federal loans, and those who complete carry a median of $4,500 in federal student loan debt.

The peer median, the middle value for comparable institutions (same type and size), is $21,229. The university's median sits $16,729 below that figure.

If repaid over ten years, that debt corresponds to an estimated payment of $51 a month.

The return picture at University of Puerto Rico-Arecibo is mixed: earnings land well below the peer median, but the debt load is unusually light. Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $30,977, a figure at the 2nd percentile.

That is $26,324 below the $57,301 median for comparable institutions (same type and size). Graduates earn about $1,541 less than the model expects for similar students, a result at the 49th percentile.

Earnings scenarios, estimated from the program mix, range from $23,942 on the downside to $47,440 on the upside, with a typical scenario of $30,977. Borrowers who finish carry a median of $4,500 in federal loans, $16,729 below the peer median.

That debt corresponds to an estimated payment of $51 a month if repaid over ten years.

For borrowers with the median federal student debt, that debt corresponds to an estimated payment of $51 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).

## Student loans: the monthly payment

Financial GPS

### What does repayment look like?

**Institution median student debt**
$4,500

**Institution Parent PLUS debt**
No federal loan data

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$51/mo

**Estimated Parent PLUS payment · monthly**
No federal loan data

Payments use school-wide median balances, not a specific major’s.

#### Student payment as a share of available income

At median graduate earnings of $30,977, with a $22,590 annual allowance for basic expenses:

**7.3%** 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-puerto-rico-arecibo#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.