by our College Data Analytics TeamMost students are not billed 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 total price of attendance at University of New Mexico-Gallup Campus can feel overpowering, but remember that the majority of students receive some sort of financial assistance.
What financing options does UNM Gallup offer you, and what will you qualify for? Keep scrolling for more information. Scroll down to learn what amount of financial assistance will be accessible to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. The figures below will help you estimate the aid you might receive from University of New Mexico-Gallup Campus.
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. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
For incoming first-year students at University of New Mexico-Gallup Campus, 98% of entering full-time freshmen got some type of financial assistance around 132 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 98% | $7,044 |
| Institutional grants & scholarships | 4% | $505 |
| Federal Pell grants | 80% | $6,544 |
| State/local grants | 93% | $1,702 |
| Federal student loans | 4% | $4,608 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. At this school, roughly 42% of undergrads got grants or scholarships worth on average $6,447 (across roughly 685 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 42% | $6,447 |
| Federal Pell grants | 36% | $5,776 |
| Federal student loans | 11% | $2,428 |
On-campus students receiving title-IV aid were awarded grants averaging $6,752.
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 | $5,162 |
| $30,001 – $75,000 | $6,045 |
| Over $75,000 | $10,408 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
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 | $4,868 |
| Off-campus title-IV students | $5,467 |
For a customized cost estimate, visit UNM Gallup’s official net price calculator: npc.collegeboard.org/student/app/unm.
A typical borrower at UNM Gallup leaves with $13,698 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $13,698 |
| Median federal debt (graduates only) | $18,450 |
| Typical 10-year monthly payment (graduates) | $195.6/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
Looking only at the median can be misleading because it hides the spread. Use the percentiles below to see the debt range at UNM Gallup.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $36,820 |
Median debt varies by family income, by first-generation status, and by dependency status.
Debt by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,250 |
| Middle income | $13,238 |
| High income | $13,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,750 |
| Continuing-generation students | $13,097 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $18,000 |
These indicators are derived from the underlying debt data and summarize the overall picture at UNM Gallup.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The annual Stafford volume below reflects program activity at UNM Gallup:
| Metric | Value |
|---|---|
| Stafford loan recipients | 68618 |
| Total Stafford loan amount | $1,893,702,125 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 9 |
| Total GI Bill amount | $7,582 |
| Average GI Bill amount per recipient | $842 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 11 |
| Total DoD amount | $8,189 |
| Average DoD amount per recipient | $744 |
References
More about our data sources and methodologies.