by our College Data Analytics TeamHere is what you can expect to pay at University of New Mexico-Gallup Campus, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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Published attendance costs at University of New Mexico-Gallup Campus ranged from $11,378.00 ranging to $14,154.00 based on in-state versus out-of-state status.
In-state residents qualified for the lower cost, with out-of-state students paying more: about $11,378.00 in-state against $14,154.00 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 | $2,906.00 |
| + Room, board & other expenses | $8,472.00 |
| Total cost | $11,378.00 |
| That is 41% below the national average net price. |
| Total cost | $11,378.00 |
| − Grants and scholarships | −$6,752.00 |
| Net price | $4,626.00 |
| That is 76% below the national average net price. |
| Total cost | $11,378.00 |
| − Grants and scholarships | −$7,423.00 |
| Net price | $3,955.00 |
| That is 79% below the national average net price. |
| Tuition and fees | $5,682.00 |
| + Room, board & other expenses | $8,472.00 |
| Total cost | $14,154.00 |
| That is 26% below the national average net price. |
| Total cost | $14,154.00 |
| − Grants and scholarships | −$6,752.00 |
| Net price | $7,402.00 |
| That is 62% below the national average net price. |
| Total cost | $14,154.00 |
| − Grants and scholarships | −$7,423.00 |
| Net price | $6,731.00 |
| That is 65% below the national average net price. | |
| For the full breakdown, see tuition and fees plus living costs. |
The reported cost series has been increasing at a recent average of 2.2% annually, so the projections below total more than one year of attendance. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.2% | 2.2% | 2.2% |
| Freshman year | $4,043.00 | $4,728.00 | $11,630.00 |
| Senior year | $4,317.00 | $5,050.00 | $12,420.00 |
| Total 4-year net price | $16,716.00 | $19,552.00 | $48,089.00 |
| 10-year loan interest @ 6.8% | $6,368.00 | $7,448.00 | $18,320.00 |
| Total monthly payment | $192.00 | $225.00 | $553.00 |
| Total amount paid | $23,084.00 | $27,000.00 | $66,409.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.2% | 2.2% | 2.2% |
| Freshman year | $4,043.00 | $4,728.00 | $11,630.00 |
| Senior year | $4,132.00 | $4,833.00 | $11,888.00 |
| Total 2-year net price | $8,175.00 | $9,562.00 | $23,518.00 |
| 10-year loan interest @ 6.8% | $3,114.00 | $3,643.00 | $8,959.00 |
| Total monthly payment | $94.00 | $110.00 | $271.00 |
| Total amount paid | $11,289.00 | $13,204.00 | $32,477.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.2% | 2.2% | 2.2% |
| Freshman year | $6,880.00 | $7,566.00 | $14,468.00 |
| Senior year | $7,347.00 | $8,080.00 | $15,450.00 |
| Total 4-year net price | $28,448.00 | $31,284.00 | $59,821.00 |
| 10-year loan interest @ 6.8% | $10,838.00 | $11,918.00 | $22,790.00 |
| Total monthly payment | $327.00 | $360.00 | $688.00 |
| Total amount paid | $39,286.00 | $43,203.00 | $82,611.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.2% | 2.2% | 2.2% |
| Freshman year | $6,880.00 | $7,566.00 | $14,468.00 |
| Senior year | $7,032.00 | $7,734.00 | $14,788.00 |
| Total 2-year net price | $13,913.00 | $15,300.00 | $29,256.00 |
| 10-year loan interest @ 6.8% | $5,300.00 | $5,829.00 | $11,145.00 |
| Total monthly payment | $160.00 | $176.00 | $337.00 |
| Total amount paid | $19,213.00 | $21,128.00 | $40,401.00 |
Read more in the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $4,868.00 |
| Average net price (off-campus) | $5,467.00 |
The real cost varies by income because need-based aid scales with financial need. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $4,921.00 |
| $30,000 to $48,000 | $5,712.00 |
| $48,001 to $75,000 | $6,822.00 |
| $75,001 to $110,000 | $10,408.00 |
Estimate your specific net price using the school’s University of New Mexico-Gallup Campus Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the financial aid page.
The median graduating debt at University of New Mexico-Gallup Campus is $13,698.00, categorized as a Low ($10-20k) debt-burden bucket.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $13,698.00 |
| 75th | $25,000.00 |
| 90th | $36,820.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Dig deeper into debt on the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,250.00 |
| Middle income | $13,238.00 |
| High income | $13,000.00 |
Borrowers from lower-income families leave school with $1,250.00 in additional median debt versus high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,750.00 |
| Continuing-generation students | $13,097.00 |
First-generation graduates of University of New Mexico-Gallup Campus hold $653.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt gap between Pell and non-Pell graduates of University of New Mexico-Gallup Campus amounts to $2,860.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The federal default-rate tier for University of New Mexico-Gallup Campus is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 9.9% |
To put the rates in context, Stafford loans at University of New Mexico-Gallup Campus amount to $1,893,702,125.00 across 68,618 borrowers.
Veterans and active-duty students can access dedicated federal education aid including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 9 |
| Avg GI Bill amount | $842.00 |
| DoD Tuition Assistance recipients | 11 |
| Avg DoD Tuition Assistance | $744.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about University of New Mexico-Gallup Campus, the questions below are worth your time:
Explore the related pages below for a deeper look at the cost picture:
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.