Cost & financial aid brief
University of Puerto Rico-Humacao Tuition, Costs & Financial Aid
How much does University of Puerto Rico-Humacao cost after financial aid?
Aid covers about 35% of the published cost for the average aid recipient, a reduction of $6,872 from the sticker price. The average net price is $12,036 for the lowest family income band and $19,547 for the highest.
The pattern is one of lower average net prices at lower incomes, but the spread of $7,511 between the two ends is modest. That is an average across aid recipients, not a promise for any particular family, and the published cost remains the starting point before grants and scholarships are applied.
The published cost of attendance is $19,547. Azimuth ranks University of Puerto Rico-Humacao #44 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 $12,036, for those earning $48,001 to $75,000 it is $15,481, and for those earning over $110,000 it is $19,547. The spread between the lowest and highest bands is $7,511.
Aid covers about 35% of the published cost for the average aid recipient. The average net price across all aid recipients is $12,675, which is $1,393 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. That is $15,729 below the peer median of $21,229.
5.3% of federal aid recipients take federal loans. That debt corresponds to an estimated payment of $63 a month if repaid over ten years.
It estimates your cost and aid at this school based on your family's income and assets.
Student loans: what does repayment look like?
Only 5.3% of federal aid recipients at University of Puerto Rico-Humacao take federal loans. Among those who borrow and complete, the median federal student debt 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.
University of Puerto Rico-Humacao leaves borrowers with a median of $5,500 in federal loans, $15,729 below the peer median. Median earnings four years after completion are $33,230, which sits at the 2nd percentile among nonprofit four-year institutions.
The comparable-institution median for the same type and size is $57,301, so the gap is $24,071 below that benchmark. They earn about $1,662 less than expects for similar students.
That places the earnings-beyond-expectations result at the 49th percentile. Scenario earnings, estimated from the program mix, stretch from $26,291 on the downside through $33,230 as the typical case to $48,886 on the upside.
If repaid over ten years, that debt corresponds to an estimated payment of $63 a month. Debt and earnings both sit below their respective peer medians.
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 $33,230, with a $23,940 annual allowance for basic expenses:
8.1% 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, $23,940, uses the published framework’s 2026 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.