by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of New Mexico-Main Campus, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
Use the links below to jump straight to any section on this page:
The total cost of attendance at University of New Mexico-Main Campus ranged from $20,973.00 ranging to $43,893.00 across residency tiers.
In-state residents qualified for the lower cost, with out-of-state students paying more: roughly $20,973.00 in-state, rising to $43,893.00 out of state.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $10,140.00 |
| + Room, board & other expenses | $10,833.00 |
| Total cost | $20,973.00 |
| That is 9% above the national average net price. |
| Total cost | $20,973.00 |
| − Grants and scholarships | −$5,770.00 |
| Net price | $15,203.00 |
| That is 21% below the national average net price. |
| Total cost | $20,973.00 |
| − Grants and scholarships | −$9,321.00 |
| Net price | $11,652.00 |
| That is 39% below the national average net price. |
| Tuition and fees | $33,060.00 |
| + Room, board & other expenses | $10,833.00 |
| Total cost | $43,893.00 |
| That is 128% above the national average net price. |
| Total cost | $43,893.00 |
| − Grants and scholarships | −$5,770.00 |
| Net price | $38,123.00 |
| That is 98% above the national average net price. |
| Total cost | $43,893.00 |
| − Grants and scholarships | −$9,321.00 |
| Net price | $34,572.00 |
| That is 80% above the national average net price. | |
| Go deeper on the components with tuition and fees and room and board. |
Published costs have climbed year over year by roughly 9.9% a year, so a full degree will cost more than a single year — the tables below carry that forward. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and 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 | 9.9% | 9.9% | 9.9% |
| Freshman year | $12,808.00 | $16,711.00 | $23,054.00 |
| Senior year | $17,011.00 | $22,195.00 | $30,619.00 |
| Total 4-year net price | $59,374.00 | $77,468.00 | $106,870.00 |
| 10-year loan interest @ 6.8% | $22,619.00 | $29,513.00 | $40,714.00 |
| Total monthly payment | $683.00 | $892.00 | $1,230.00 |
| Total amount paid | $81,993.00 | $106,981.00 | $147,584.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 9.9% | 9.9% | 9.9% |
| Freshman year | $12,808.00 | $16,711.00 | $23,054.00 |
| Senior year | $14,079.00 | $18,369.00 | $25,341.00 |
| Total 2-year net price | $26,887.00 | $35,081.00 | $48,395.00 |
| 10-year loan interest @ 6.8% | $10,243.00 | $13,365.00 | $18,437.00 |
| Total monthly payment | $309.00 | $404.00 | $557.00 |
| Total amount paid | $37,130.00 | $48,445.00 | $66,832.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 9.9% | 9.9% | 9.9% |
| Freshman year | $38,002.00 | $41,905.00 | $48,248.00 |
| Senior year | $50,473.00 | $55,657.00 | $64,081.00 |
| Total 4-year net price | $176,165.00 | $194,259.00 | $223,661.00 |
| 10-year loan interest @ 6.8% | $67,112.00 | $74,006.00 | $85,207.00 |
| Total monthly payment | $2,027.00 | $2,236.00 | $2,574.00 |
| Total amount paid | $243,277.00 | $268,265.00 | $308,868.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 9.9% | 9.9% | 9.9% |
| Freshman year | $38,002.00 | $41,905.00 | $48,248.00 |
| Senior year | $41,773.00 | $46,063.00 | $53,035.00 |
| Total 2-year net price | $79,775.00 | $87,969.00 | $101,283.00 |
| 10-year loan interest @ 6.8% | $30,391.00 | $33,513.00 | $38,585.00 |
| Total monthly payment | $918.00 | $1,012.00 | $1,166.00 |
| Total amount paid | $110,166.00 | $121,482.00 | $139,868.00 |
See the full net-price breakdown in the net-price section.
The net price figure shows the cost after grants and scholarships are deducted. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $15,489.00 |
| Average net price (off-campus) | $17,478.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $13,908.00 |
| $30,000 to $48,000 | $15,609.00 |
| $48,001 to $75,000 | $18,586.00 |
| $75,001 to $110,000 | $20,679.00 |
| Over $110,000 | $20,948.00 |
Run your own numbers with the University of New Mexico-Main Campus Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the grants & scholarships detail.
Median graduate debt at University of New Mexico-Main Campus stands at $13,698.00, landing it in the Low ($10-20k) debt-burden bucket.
The full distribution of debt at graduation looks 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 spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. Below, debt is broken out by low, middle, and high family income:
| 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 more than graduates from high-income families.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,750.00 |
| Continuing-generation students | $13,097.00 |
First-generation graduates from University of New Mexico-Main Campus take on $653.00 more debt than continuing-generation students.
The Pell Grant is the main federal need-based award for undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The Pell-versus-non-Pell median debt difference at University of New Mexico-Main Campus works out 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-Main 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-Main Campus total $1,893,702,125.00 spread across 68,618 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 | 25 |
| Avg GI Bill amount | $320.00 |
| DoD Tuition Assistance recipients | 328 |
| Avg DoD Tuition Assistance | $3,041.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
Numbers only tell part of the story. As you weigh University of New Mexico-Main Campus, keep these questions in mind:
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.