Cost & financial aid brief
University of Puerto Rico-Carolina Tuition, Costs & Financial Aid
How much does University of Puerto Rico-Carolina cost after financial aid?
Aid covers about 33% of the published cost for the average aid recipient, reducing the sticker price by $6,451 on average. The pattern across income bands is one of compressed pricing.
Average net prices range from $12,287 in the lowest band to $18,229 in the highest, a spread of $5,942. The lower-income bands have lower than the middle and upper-income bands, but the difference across the income range is narrow. The university's affordability sits at the 97th percentile.
The published cost of attendance is $19,396, and the average aid recipient pays considerably less. Azimuth ranks University of Puerto Rico-Carolina #47 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $12,287, for those earning $48,001 to $75,000 it is $15,267, and for those earning over $110,000 it is $18,229. The spread between the lowest and highest bands is $5,942.
In-state and out-of-state tuition and fees are both $7,986. Aid covers about 33% of the published cost for the average aid recipient, bringing the overall average net price to $12,945.
That is $1,123 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, $15,729 below the peer median of $21,229.
Only 7.5% of federal aid recipients take federal loans. If repaid over ten years, that debt corresponds to an estimated payment of $63 a month.
Student loans: what does repayment look like?
Most undergraduates at University of Puerto Rico-Carolina do not borrow. 7.5% of federal aid recipients take federal loans, and the median federal student debt among those who complete is $5,500.
That median 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 completion, federally aided graduates of University of Puerto Rico-Carolina who are working and not enrolled earn a median of $28,995, a figure at the 1st percentile nationally. That is $28,306 below the $57,301 median for comparable institutions (same type and size).
Graduates earn about $9,059 less than expects for similar students. That result sits at the 22nd percentile.
Earnings scenarios, estimated from the program mix, range from a downside of $22,410 to an upside of $42,165, with a typical scenario of $28,995. The median federal debt of $5,500 is $15,729 below the peer median—the median for comparable institutions—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 are in the Financial GPS card below. Borrowing populations and model assumptions.
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 $28,995, with a $22,590 annual allowance for basic expenses:
11.8% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.