by our College Data Analytics TeamHere is what you can expect to pay at University of North Carolina at Charlotte, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
Use the section links below to navigate this overview:
Published attendance costs at U of North Carolina at Charlotte ranged from $22,034.00 and $37,287.00 across residency tiers.
In-state students paid the lower published figure, while out-of-state students faced the higher one: close to $22,034.00 in-state compared with $37,287.00 out-of-state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $7,239.00 |
| + Room, board & other expenses | $14,795.00 |
| Total cost | $22,034.00 |
| That is 14% above the national average net price. |
| Total cost | $22,034.00 |
| − Grants and scholarships | −$7,575.00 |
| Net price | $14,459.00 |
| That is 25% below the national average net price. |
| Total cost | $22,034.00 |
| − Grants and scholarships | −$12,653.00 |
| Net price | $9,381.00 |
| That is 51% below the national average net price. |
| Tuition and fees | $22,492.00 |
| + Room, board & other expenses | $14,795.00 |
| Total cost | $37,287.00 |
| That is 94% above the national average net price. |
| Total cost | $37,287.00 |
| − Grants and scholarships | −$7,575.00 |
| Net price | $29,712.00 |
| That is 54% above the national average net price. |
| Total cost | $37,287.00 |
| − Grants and scholarships | −$12,653.00 |
| Net price | $24,634.00 |
| That is 28% above the national average net price. | |
| For the full breakdown, see the tuition & fees page plus living costs. |
Costs have trended upward in recent years at a recent average of 2.9% annually, so the projections below total more than one year of attendance. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $9,656.00 | $14,884.00 | $22,681.00 |
| Senior year | $10,532.00 | $16,234.00 | $24,738.00 |
| Total 4-year net price | $40,361.00 | $62,208.00 | $94,799.00 |
| 10-year loan interest @ 6.8% | $15,376.00 | $23,699.00 | $36,115.00 |
| Total monthly payment | $464.00 | $716.00 | $1,091.00 |
| Total amount paid | $55,737.00 | $85,907.00 | $130,914.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $9,656.00 | $14,884.00 | $22,681.00 |
| Senior year | $9,940.00 | $15,321.00 | $23,347.00 |
| Total 2-year net price | $19,596.00 | $30,204.00 | $46,028.00 |
| 10-year loan interest @ 6.8% | $7,466.00 | $11,507.00 | $17,535.00 |
| Total monthly payment | $226.00 | $348.00 | $530.00 |
| Total amount paid | $27,062.00 | $41,711.00 | $63,563.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $25,357.00 | $30,584.00 | $38,382.00 |
| Senior year | $27,657.00 | $33,359.00 | $41,863.00 |
| Total 4-year net price | $105,985.00 | $127,833.00 | $160,423.00 |
| 10-year loan interest @ 6.8% | $40,376.00 | $48,700.00 | $61,115.00 |
| Total monthly payment | $1,220.00 | $1,471.00 | $1,846.00 |
| Total amount paid | $146,362.00 | $176,532.00 | $221,539.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $25,357.00 | $30,584.00 | $38,382.00 |
| Senior year | $26,102.00 | $31,483.00 | $39,509.00 |
| Total 2-year net price | $51,459.00 | $62,067.00 | $77,891.00 |
| 10-year loan interest @ 6.8% | $19,604.00 | $23,645.00 | $29,674.00 |
| Total monthly payment | $592.00 | $714.00 | $896.00 |
| Total amount paid | $71,063.00 | $85,712.00 | $107,564.00 |
For the complete net-price picture, see the net price section below.
Net price strips out grant and scholarship aid to show what families really pay. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $15,435.00 |
| Average net price (off-campus) | $14,745.00 |
The real cost varies by income because need-based aid scales with financial need. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,010.00 |
| $30,000 to $48,000 | $10,492.00 |
| $48,001 to $75,000 | $14,014.00 |
| $75,001 to $110,000 | $19,139.00 |
| Over $110,000 | $20,740.00 |
Estimate your specific net price using the school’s University of North Carolina at Charlotte Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the grants & scholarships detail.
The median amount borrowed by graduates of U of North Carolina at Charlotte works out to $16,500.00, placing the school in the Low ($10-20k) debt-burden bucket.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,914.00 |
| 25th | $7,000.00 |
| Median (50th) | $16,500.00 |
| 75th | $26,700.00 |
| 90th | $33,625.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Dig deeper into debt on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $17,377.00 |
| Middle income | $16,250.00 |
| High income | $15,750.00 |
On average, low-income graduates leave with $1,627.00 more debt than their high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $17,000.00 |
| Continuing-generation students | $15,275.00 |
First-generation graduates from U of North Carolina at Charlotte take on $1,725.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of U of North Carolina at Charlotte is $4,000.00. This school carries a federal Pell-debt-inequity flag.
The Department of Education default-rate tier for U of North Carolina at Charlotte is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.0% |
To put the rates in context, Stafford loans at U of North Carolina at Charlotte total $1,706,490,676.00 spread across 78,118 recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 604 |
| Avg GI Bill amount | $7,072.00 |
| DoD Tuition Assistance recipients | 46 |
| Avg DoD Tuition Assistance | $2,766.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The figures above are a starting point — as you weigh U of North Carolina at Charlotte, a few questions are worth asking:
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.