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Cost & financial aid brief

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# University of Puerto Rico Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

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

University of Puerto Rico charges all undergraduates exactly the same annual tuition and fees: $6,284 for both residents and nonresidents alike. The full published cost of attendance is $12,501 for the standard budget.

That total does not vary by state residency. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) here is what aid recipients pay after grants and scholarships.

For the typical aided student at this university, that amount is $8,484. Aid covers about 32% of the published cost, an average offset of $4,017.

Against comparable institutions (same type and size), the average net price runs $5,584 below the peer median of $14,068. Azimuth ranks the university #9 for affordability among nonprofit four-year institutions.

At University of Puerto Rico, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $8,484, $5,584 below the median for comparable institutions (same type and size). The average net price is aid recipients' cost after grants and scholarships.

The affordability pillar is in the 99th percentile among nonprofit four-year institutions. Families in the lowest income band average $7,035, and those in the highest band average $11,101.

The spread between the lowest and highest bands is $4,066. Borrowers who finish hold a median of $5,500 in federal loans, $15,729 below the peer median.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $7,035 for families earning under $30,000; $9,432 for those earning $30,001–$48,000; $11,088 for the $48,001–$75,000 band; $11,091 for $75,001–$110,000; and $11,101 for families earning over $110,000. 86.9% of undergraduates receive Pell Grants, so the lowest band applies to a large share of the student body. The spread between the lowest and highest bands is $4,066.

Average net price by family income

**$0–30K**
$7,035

**$30–48K**
$9,432

**$48–75K**
$11,088

**$75–110K**
$11,091

**$110K+**
$11,101

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$8,484**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 the model's 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](#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 $35,322, with a $22,590 annual allowance for basic expenses:

**5.9%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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#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.