by our College Data Analytics TeamHere is what you can expect to pay at University of North Carolina at Chapel Hill, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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Cost of attendance at U of North Carolina at Chapel Hill ranged from $25,181.00 ranging to $57,390.00 depending on your residency status.
In-state residents qualified for the lower cost, with out-of-state students paying more: near $25,181.00 in-state versus $57,390.00 for out-of-state students.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $8,994.00 |
| + Room, board & other expenses | $16,187.00 |
| Total cost | $25,181.00 |
| That is 31% above the national average net price. |
| Total cost | $25,181.00 |
| − Grants and scholarships | −$14,400.00 |
| Net price | $10,781.00 |
| That is 44% below the national average net price. |
| Total cost | $25,181.00 |
| − Grants and scholarships | −$24,051.00 |
| Net price | $1,130.00 |
| That is 94% below the national average net price. |
| Tuition and fees | $41,203.00 |
| + Room, board & other expenses | $16,187.00 |
| Total cost | $57,390.00 |
| That is 198% above the national average net price. |
| Total cost | $57,390.00 |
| − Grants and scholarships | −$14,400.00 |
| Net price | $42,990.00 |
| That is 123% above the national average net price. |
| Total cost | $57,390.00 |
| − Grants and scholarships | −$24,051.00 |
| Net price | $33,339.00 |
| That is 73% above the national average net price. | |
| Explore each piece on the tuition & fees page and room and board. |
Cost of attendance here has been rising by roughly 3.8% per year; the projections below compound that across a degree. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $1,173.00 | $11,187.00 | $26,129.00 |
| Senior year | $1,310.00 | $12,498.00 | $29,191.00 |
| Total 4-year net price | $4,962.00 | $47,336.00 | $110,563.00 |
| 10-year loan interest @ 6.8% | $1,890.00 | $18,033.00 | $42,120.00 |
| Total monthly payment | $57.00 | $545.00 | $1,272.00 |
| Total amount paid | $6,852.00 | $65,370.00 | $152,683.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $1,173.00 | $11,187.00 | $26,129.00 |
| Senior year | $1,217.00 | $11,608.00 | $27,112.00 |
| Total 2-year net price | $2,389.00 | $22,794.00 | $53,240.00 |
| 10-year loan interest @ 6.8% | $910.00 | $8,684.00 | $20,283.00 |
| Total monthly payment | $27.00 | $262.00 | $613.00 |
| Total amount paid | $3,299.00 | $31,478.00 | $73,523.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $34,594.00 | $44,608.00 | $59,550.00 |
| Senior year | $38,648.00 | $49,835.00 | $66,528.00 |
| Total 4-year net price | $146,382.00 | $188,757.00 | $251,984.00 |
| 10-year loan interest @ 6.8% | $55,766.00 | $71,910.00 | $95,997.00 |
| Total monthly payment | $1,685.00 | $2,172.00 | $2,900.00 |
| Total amount paid | $202,149.00 | $260,667.00 | $347,981.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $34,594.00 | $44,608.00 | $59,550.00 |
| Senior year | $35,895.00 | $46,286.00 | $61,790.00 |
| Total 2-year net price | $70,489.00 | $90,894.00 | $121,340.00 |
| 10-year loan interest @ 6.8% | $26,854.00 | $34,627.00 | $46,226.00 |
| Total monthly payment | $811.00 | $1,046.00 | $1,396.00 |
| Total amount paid | $97,343.00 | $125,521.00 | $167,566.00 |
See the full net-price breakdown in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $11,655.00 |
| Average net price (off-campus) | $12,983.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $3,165.00 |
| $30,000 to $48,000 | $5,143.00 |
| $48,001 to $75,000 | $11,220.00 |
| $75,001 to $110,000 | $19,106.00 |
| Over $110,000 | $24,077.00 |
For a personalized estimate, try the University of North Carolina at Chapel Hill Net Price Calculator, or get in touch with the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The median graduating debt at U of North Carolina at Chapel Hill is $12,989.00, landing it in the Low ($10-20k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,856.00 |
| 25th | $7,500.00 |
| Median (50th) | $12,989.00 |
| 75th | $22,000.00 |
| 90th | $27,000.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student loan debt page.
Family income tracks closely with debt at graduation. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $7,636.00 |
| Middle income | $12,500.00 |
| High income | $14,500.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,000.00 |
| Continuing-generation students | $13,500.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt gap between Pell and non-Pell graduates of U of North Carolina at Chapel Hill works out to $-3,348.00.
The federal default-rate classification for U of North Carolina at Chapel Hill is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 1.5% |
For context on the loan portfolio, Stafford disbursements at U of North Carolina at Chapel Hill come to $1,508,798,659.00 distributed across 46,927 loan recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 823 |
| Avg GI Bill amount | $28,121.00 |
| DoD Tuition Assistance recipients | 24 |
| Avg DoD Tuition Assistance | $2,260.00 |
Read more about military and veteran aid on the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing U of North Carolina at Chapel Hill, keep these questions in mind:
Dig further into the cost picture with the related pages below:
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.