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Cost & financial aid brief

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

Updated October 21, 2026

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

**On this page**+

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

The published cost of attendance is $19,547, with in-state tuition and fees of $5,364. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $12,675.

Aid covers about 35% of the published cost for the average aid recipient, reducing the sticker price by $6,872 on average. That average net price sits $1,393 below the $14,068 median for comparable institutions (same type and size).

Azimuth ranks University of Puerto Rico-Humacao #44 for affordability among 1,467 nonprofit four-year institutions. That places the affordability pillar in the 97th percentile.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) at University of Puerto Rico-Humacao is $12,675. That is $1,393 below the median for comparable institutions (same type and size).

Azimuth places the affordability pillar in the 97th percentile among nonprofit four-year institutions. Borrowers who complete leave with a median of $5,500 in federal loans, $15,729 below the median for comparable institutions (same type and size).

After grants and scholarships, aid recipients in the lowest income band pay $12,036 on average. Those in the highest band pay $19,547, a spread of $7,511.

About 80.6% of undergraduates receive Pell Grants, the group the lowest band applies to. After grants and scholarships, aid recipients in the lowest family-income band, under $30,000, average $12,036.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $12,957 for the $30,001–$48,000 band, $15,481 for the $48,001–$75,000 band, $16,960 for the $75,001–$110,000 band, and $19,547 for families earning over $110,000. The spread between the lowest and highest bands is $7,511.

Average net price by family income

**$0–30K**
$12,036

**$30–48K**
$12,957

**$48–75K**
$15,481

**$75–110K**
$16,960

**$110K+**
$19,547

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$12,675**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 the model 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](#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 $33,230, with a $23,940 annual allowance for basic expenses:

**8.1%** 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, $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.

[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-humacao#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.