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Cost & financial aid brief

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# University of Puerto Rico at Ponce Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

## How much does University of Puerto Rico at Ponce cost after financial aid?

The published cost of attendance at University of Puerto Rico at Ponce is $17,193, and the typical aid recipient pays far less than that sticker price. In-state tuition and fees are $5,354; out-of-state tuition is also $5,354.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $10,990, a reduction of $6,203 from the published cost. This amount reflects what aid recipients actually pay once grants and scholarships are applied, and it is not a promise for any individual family.

That average sits $3,078 below the $14,068 median for comparable institutions (same type and size). Azimuth ranks the university #31 for affordability among nonprofit four-year institutions.

Borrowers who complete a degree leave with a median of $5,500 in federal student loans, $15,729 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/)—what students actually pay after subtracting aid—is $10,990 for aid recipients, $3,078 below the peer median of $14,068—the midpoint among comparable institutions.

Families earning under $30,000 pay $10,114 on average, while those earning over $110,000 pay $12,404. Azimuth places the affordability pillar in the 98th percentile 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 is $10,114 in the lowest family-income band (under $30,000), $10,534 in the next band ($30,001–$48,000), $13,017 in the middle band ($48,001–$75,000), $13,600 in the next-highest band ($75,001–$110,000), and $12,404 in the highest band (over $110,000). 82.6% of undergraduates receive Pell Grants, providing context for the lowest band. The spread between the lowest and highest bands is $2,290.

Average net price by family income

**$0–30K**
$10,114

**$30–48K**
$10,534

**$48–75K**
$13,017

**$75–110K**
$13,600

**$110K+**
$12,404

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$10,990**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

For the average aid recipient, grants and scholarships offset about 36% of the sticker price. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family income do not increase in a straight line, and the differences between bands are modest.

Aid recipients earning under $30,000 pay $10,114 on average, and those in the $30,001 to $48,000 band pay $10,534. The $48,001 to $75,000 band averages $13,017, while the $75,001 to $110,000 band averages $13,600.

Families earning over $110,000 pay $12,404, which sits below the two middle bands. The $2,290 spread from lowest to highest is narrow, keeping average net prices within a small range across all five bands. These are averages within each band, not quotes for individual families.

The published cost of attendance is $17,193, and Azimuth ranks University of Puerto Rico at Ponce #31 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 $10,114, for those earning $48,001 to $75,000 it is $13,017, and for those earning over $110,000 it is $12,404.

The spread between the lowest and highest bands is $2,290. Aid covers about 36% of the published cost for the average aid recipient.

The average net price across all aid recipients is $10,990, which is $3,078 below the $14,068 median for comparable institutions (same type and size). Borrowers who finish carry a median of $5,500 in federal student loans.

About 11.1% of federal aid recipients take federal loans. Their median debt is $15,729 below the peer median of $21,229.

That debt corresponds to an estimated payment of $63 a month if repaid over ten years. It estimates costs and payments for your situation.

## Student loans: what does repayment look like?

Federal borrowing is light at University of Puerto Rico at Ponce. Only 11.1% of federal aid recipients take federal loans, and among those who complete, the median debt is $5,500.

That figure is $15,729 below the $21,229 median for comparable institutions (same type and size). If repaid over ten years, the median debt corresponds to an estimated payment of $63 a month.

Four years after completing a degree, federally aided graduates of University of Puerto Rico at Ponce who are working and not enrolled earn a median of $29,384. That places the median in the 1st percentile among nonprofit four-year institutions, and it is $27,917 below the $57,301 median for comparable institutions (same type and size).

Graduates earn about $7,602 less than the model expects for similar students, a result at the 26th percentile. Earnings scenarios, estimated from the program mix, range from $23,013 on the downside to $34,845 on the upside, with a typical scenario of $29,384.

The median federal debt of $5,500 sits below the peer median, and the estimated monthly payment is $63.

For borrowers with median federal student debt, that debt corresponds to an estimated payment of $63 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**
$5,500

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

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

**Estimated student payment · monthly**
$63/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 $29,384, with a $22,590 annual allowance for basic expenses:

**11.1%** of income above the allowance · Good

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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-at-ponce#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.