by our College Data Analytics TeamThis guide covers the real cost of attending University of North Carolina at Pembroke, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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The full cost of attending University of North Carolina at Pembroke came in between $16,854.00 ranging to $20,854.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: about $16,854.00 in-state compared with $20,854.00 for non-residents.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $3,648.00 |
| + Room, board & other expenses | $13,206.00 |
| Total cost | $16,854.00 |
| That is 12% below the national average net price. |
| Total cost | $16,854.00 |
| − Grants and scholarships | −$7,001.00 |
| Net price | $9,853.00 |
| That is 49% below the national average net price. |
| Total cost | $16,854.00 |
| − Grants and scholarships | −$9,342.00 |
| Net price | $7,512.00 |
| That is 61% below the national average net price. |
| Tuition and fees | $7,648.00 |
| + Room, board & other expenses | $13,206.00 |
| Total cost | $20,854.00 |
| That is 8% above the national average net price. |
| Total cost | $20,854.00 |
| − Grants and scholarships | −$7,001.00 |
| Net price | $13,853.00 |
| That is 28% below the national average net price. |
| Total cost | $20,854.00 |
| − Grants and scholarships | −$9,342.00 |
| Net price | $11,512.00 |
| That is 40% below the national average net price. | |
| Go deeper on the components with the tuition & fees page and living costs. |
The reported cost series has been increasing by around 0.7% per year, so the four-year total runs well above today’s cost. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $7,563.00 | $9,920.00 | $16,968.00 |
| Senior year | $7,718.00 | $10,123.00 | $17,315.00 |
| Total 4-year net price | $30,560.00 | $40,084.00 | $68,565.00 |
| 10-year loan interest @ 6.8% | $11,642.00 | $15,270.00 | $26,121.00 |
| Total monthly payment | $352.00 | $461.00 | $789.00 |
| Total amount paid | $42,202.00 | $55,354.00 | $94,686.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $7,563.00 | $9,920.00 | $16,968.00 |
| Senior year | $7,614.00 | $9,987.00 | $17,083.00 |
| Total 2-year net price | $15,177.00 | $19,907.00 | $34,051.00 |
| 10-year loan interest @ 6.8% | $5,782.00 | $7,584.00 | $12,972.00 |
| Total monthly payment | $175.00 | $229.00 | $392.00 |
| Total amount paid | $20,959.00 | $27,490.00 | $47,023.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $11,590.00 | $13,947.00 | $20,995.00 |
| Senior year | $11,827.00 | $14,232.00 | $21,425.00 |
| Total 4-year net price | $46,833.00 | $56,356.00 | $84,837.00 |
| 10-year loan interest @ 6.8% | $17,842.00 | $21,470.00 | $32,320.00 |
| Total monthly payment | $539.00 | $649.00 | $976.00 |
| Total amount paid | $64,674.00 | $77,826.00 | $117,157.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $11,590.00 | $13,947.00 | $20,995.00 |
| Senior year | $11,668.00 | $14,041.00 | $21,137.00 |
| Total 2-year net price | $23,258.00 | $27,988.00 | $42,133.00 |
| 10-year loan interest @ 6.8% | $8,861.00 | $10,662.00 | $16,051.00 |
| Total monthly payment | $268.00 | $322.00 | $485.00 |
| Total amount paid | $32,119.00 | $38,650.00 | $58,183.00 |
Read more in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $10,260.00 |
| Average net price (off-campus) | $9,918.00 |
The real cost varies by income because need-based aid scales with financial need. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $7,922.00 |
| $30,000 to $48,000 | $9,526.00 |
| $48,001 to $75,000 | $10,905.00 |
| $75,001 to $110,000 | $13,204.00 |
| Over $110,000 | $15,323.00 |
Use University of North Carolina at Pembroke Net Price Calculator, or reach out to the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
The median graduating debt at University of North Carolina at Pembroke amounts to $15,500.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $5,500.00 |
| Median (50th) | $15,500.00 |
| 75th | $23,850.00 |
| 90th | $31,269.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Read the complete debt breakdown on the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $17,150.00 |
| Middle income | $15,000.00 |
| High income | $14,000.00 |
On average, low-income graduates leave with $3,150.00 more than graduates from high-income families.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,743.00 |
| Continuing-generation students | $14,606.00 |
First-gen students at University of North Carolina at Pembroke carry $1,137.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. Pell vs non-Pell comparisons surface how debt breaks down by need.
The Pell-versus-non-Pell median debt difference at University of North Carolina at Pembroke works out to $6,207.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for University of North Carolina at Pembroke is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 11.9% |
For a sense of scale, Stafford disbursements at University of North Carolina at Pembroke reach $535,740,371.00 across 25,909 disbursements.
Veterans and active-duty students can access dedicated federal education aid like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 228 |
| Avg GI Bill amount | $2,227.00 |
| DoD Tuition Assistance recipients | 89 |
| Avg DoD Tuition Assistance | $779.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh University of North Carolina at Pembroke, a few questions are worth asking:
Use the pages below to go deeper on a specific part of the cost story:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.