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Cost & financial aid brief

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

Updated October 1, 2026

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

**On this page**+

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

University of Puerto Rico-Carolina lists a published cost of attendance of $19,396. After grants and scholarships, aid recipients pay an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $12,945, which is $1,123 below the $14,068 median for comparable institutions (same type and size).

Azimuth ranks the university #47 for affordability among nonprofit four-year institutions. Aid covers about 33% of the published cost for the average aid recipient.

The spread between the lowest and highest income bands is $5,942, so net prices stay relatively close across the income scale.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s are higher across the family-income bands. Aid recipients from families earning under $30,000 pay $12,287 on average, while those in the $30,001–$48,000 band pay $13,001.

The middle band ($48,001–$75,000) averages $15,267, the next-highest band ($75,001–$110,000) averages $16,900, and the highest band (over $110,000) averages $18,229. 76.0% of undergraduates receive Pell Grants, providing context for the lowest band. The spread between the lowest and highest bands is $5,942.

Average net price by family income

**$0–30K**
$12,287

**$30–48K**
$13,001

**$48–75K**
$15,267

**$75–110K**
$16,900

**$110K+**
$18,229

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$12,945**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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 average net prices than the middle and upper-income bands, but the difference across the income range is narrow. The university's affordability pillar 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 the model 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](#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 $28,995, with a $22,590 annual allowance for basic expenses:

**11.8%** 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-carolina#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.