by our College Data Analytics TeamMost students will not be asked to pay the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The price tag of going to University of Guam can appear overwhelming, but bear in mind that many students obtain some kind of financial aid.
Just what financial aid solutions can UOG provide, and just what are you going to be eligible for? Keep reading for answers. Keep scrolling to learn just how much financial aid will be open to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. Continue reading to find information to help you understand just how much assistance you can expect to receive from University of Guam.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
For incoming first-year students at University of Guam, 85% of first-time, full-time freshmen received some form of financial aid roughly 355 new students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 71% | $6,778 |
| Institutional grants & scholarships | 2% | $6,693 |
| Federal Pell grants | 55% | $5,969 |
| State/local grants | 12% | $7,530 |
| Federal student loans | 9% | $4,784 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At UOG, approximately 64% of undergrads got grants or scholarships worth on average $6,588 (covering around 1675 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 64% | $6,588 |
| Federal Pell grants | 45% | $5,329 |
| Federal student loans | 12% | $5,249 |
On-campus students receiving title-IV aid were awarded grants averaging $6,363.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $8,296 |
| $30,001 – $75,000 | $9,288 |
| Over $75,000 | $13,415 |
Each amount is the average cost remaining once grant aid is subtracted, by income band.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $8,598 |
| Off-campus title-IV students | $9,424 |
For a customized cost estimate, visit UOG’s net price tool: www.uog.edu/financial-aid/calculator.
The median federal debt load at UOG comes to $12,500 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $12,500 |
| Median federal debt (graduates only) | $16,786 |
| Typical 10-year monthly payment (graduates) | $177.96/mo |
At a typical 10-year repayment schedule, the median graduate would pay about the monthly figure above.
Looking only at the median can be misleading because it hides the spread. The four reference points below map the debt distribution at UOG.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $23,650 |
| 90th percentile (highest-debt students) | $33,079 |
How much a student borrows depends heavily on family income, first-gen status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $10,500 |
| Middle income | $13,600 |
| High income | $14,286 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,225 |
| Continuing-generation students | $13,072 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $13,000 |
The figure below distills the debt data into a single burden category for UOG.
Most undergraduate borrowing runs through the federal Stafford loan program. The aggregate figures below show how active the program is at UOG:
| Metric | Value |
|---|---|
| Stafford loan recipients | 7268 |
| Total Stafford loan amount | $147,787,168 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 134 |
| Total GI Bill amount | $735,855 |
| Average GI Bill amount per recipient | $5,491 |
DoD program volume
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 22 |
| Total DoD amount | $59,950 |
| Average DoD amount per recipient | $2,725 |
References
More about our data sources and methodologies.