University of Puerto Rico-Humacao's published cost of attendance is $19,404 per year, including $5,364 in tuition, room and board costs, and $4,168 for books and supplies. However, the average student pays just $13,487 after financial aid, representing savings of $5,917 from the sticker price.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $19,547 |
| Tuition and Fees | $5,364 |
| Books and Supplies | $4,168 |
| Average Financial Aid (Grants and Scholarships) | -$6,872 |
| Average Net Price (What Families Pay) | $12,675 |
| Family Income | Net Price |
|---|---|
| $0–30k | $12,036 |
| $30–48k | $12,957 |
| $48–75k | $15,481 |
| $75–110k | $16,960 |
| $110k+ | $19,547 |
University of Puerto Rico-Humacao's published cost of attendance is $19,404 per year, including $5,364 in tuition, room and board costs, and $4,168 for books and supplies. However, the average student pays just $13,487 after financial aid, representing savings of $5,917 from the sticker price. This net price ranks among the most affordable options nationally and compares favorably to the peer median of $14,093, coming in $606 higher than similar institutions.
The university's affordability index ranks at the 96.5th percentile with top-tier performance, reflecting exceptional value relative to outcomes delivered. As a public institution in Puerto Rico, University of Puerto Rico-Humacao benefits from low baseline tuition costs that make higher education accessible to students from diverse economic backgrounds. The financial aid savings of $5,917 demonstrate significant institutional and federal support for student affordability.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
University of Puerto Rico-Humacao graduates carry exceptionally manageable debt loads that support long-term financial stability. Median student debt of $5,500 ranks at the 91st percentile nationally, indicating top-tier performance in debt management.
Debt ranges from $3,000 at the 25th percentile to $6,500 at the 75th percentile, demonstrating consistently low borrowing across the student body. Compared to the peer median of $21,105, University of Puerto Rico-Humacao graduates borrow $15,605 less, representing a 74% reduction in typical debt burden.
The debt-to-earnings ratio of 0.19 indicates that graduates' debt represents less than 20% of their annual income, well within manageable parameters for loan repayment. This exceptional debt performance reflects the university's low net price structure, effective financial aid targeting, and student population characteristics that may include family financial support and part-time work during enrollment.
How cost compares to graduate earnings and value added.
University of Puerto Rico-Humacao delivers exceptional value in debt management while producing moderate earnings outcomes. With earnings of $-3,477 relative to expectations placing the institution around the national average at the 40.5th percentile, graduates achieve typical outcomes for their demographic profile.
However, the exceptional debt performance—$15,605 below peer median—creates significant advantages for long-term financial health. The debt-to-earnings ratio of 0.19 ensures that loan payments remain manageable relative to income, supporting graduates' ability to achieve other financial goals like homeownership and savings.
Compared to peer institutions producing similar earnings of $50,116, University of Puerto Rico-Humacao graduates earn $20,595 less but borrow dramatically less, creating a different but valid pathway to financial stability. The return index ranks modestly below average, but the combination of controlled debt and steady earnings growth provides graduates with financial flexibility that higher-earning, higher-debt alternatives may not offer.
University of Puerto Rico-Humacao demonstrates strong financial aid support that makes higher education accessible to diverse income levels. With 79.3% of students receiving Pell grants—well above the national average—the university primarily serves students from families earning less than $50,000 annually.
The $5,917 gap between sticker price and average net price reflects substantial federal and institutional aid support. Financial aid targeting appears progressive, with the lowest-income students paying $12,801 compared to $17,922 for higher-income families.
The university's position just $606 above the peer median net price, while serving a much higher percentage of low-income students, demonstrates effective aid leveraging. This aid profile creates conditions where students from economically disadvantaged backgrounds can access higher education without prohibitive debt accumulation, supporting the institution's access mission while maintaining financial sustainability.
