Cost & financial aid brief
University of Puerto Rico Tuition, Costs & Financial Aid
How much does University of Puerto Rico cost after financial aid?
The average net price moves from $7,035 in the lowest income band to $11,101 in the highest. The $4,066 spread describes a pattern of lower average net prices at lower incomes, rather than an individual aid package. Aid covers about 32% of the published cost for the average aid recipient.
The published cost of attendance at University of Puerto Rico is $12,501. Azimuth ranks the university #9 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 $7,035, for those earning $48,001 to $75,000 it is $11,088, and for those earning over $110,000 it is $11,101. The spread between the lowest and highest bands is $4,066.
Aid covers about 32% of the published cost for the average aid recipient. The average net price across all aid recipients is $8,484, which is $5,584 below the $14,068 median for comparable institutions (same type and size).
Borrowers who complete a degree carry a median of $5,500 in federal student loans. That is $15,729 below the peer median of $21,229.
Only 3.2% of federal aid recipients take federal loans. If repaid over ten years, that median debt corresponds to an estimated payment of $63 a month. It estimates what you would pay, not what the averages show.
Student loans: what does repayment look like?
Federal borrowing touches a small fraction of undergraduates at University of Puerto Rico: 3.2% of federal aid recipients 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 graduates who are working and not enrolled earn a median of $35,322 four years after completion. That places the median at the 3rd percentile among nonprofit four-year institutions.
Earnings here run $21,979 below the $57,301 median for comparable institutions (same type and size). By measure, they earn about $9,395 less than the model expects for similar students.
That outcome sits at the 21st percentile. Estimated from the program mix, earnings scenarios run from $29,045 on the downside to $57,664 on the upside, with a typical scenario of $35,322.
Borrowers who finish carry a median of $5,500 in federal loans. That sits $15,729 below the $21,229 median for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated payment of $63 a month.
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 $35,322, with a $22,590 annual allowance for basic expenses:
5.9% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- 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.