by our College Data Analytics TeamA lot of students will never be charged the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The sum total of attendance at University of North Carolina at Pembroke can sound overwhelming, but bear in mind that many students get some type of financial aid.
Just what financial aid solutions can UNC Pembroke provide, and just what are you going to be eligible for? Keep reading for answers. Scroll down to see what amount of financial assistance could be accessible to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The figures below will help you estimate the aid you might receive from University of North Carolina at Pembroke.
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 freshmen starting at University of North Carolina at Pembroke, 90% of new full-time first-years were awarded at least some aid roughly 781 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 80% | $7,344 |
| Institutional grants & scholarships | 59% | $2,258 |
| Federal Pell grants | 60% | $6,141 |
| State/local grants | 55% | $1,403 |
| Federal student loans | 53% | $5,364 |
Unlike loans, grants and scholarships are gift aid that does not need to be paid back, making them the most desirable form of assistance. At UNC Pembroke, approximately 70% of undergraduates were awarded an average grant or scholarship of $6,756 (across roughly 3818 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 70% | $6,756 |
| Federal Pell grants | 50% | $5,587 |
| Federal student loans | 43% | $6,309 |
On-campus students receiving title-IV aid were awarded grants averaging $7,001.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $8,423 |
| $30,001 – $75,000 | $10,120 |
| Over $75,000 | $14,047 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
The net price strips out grant and scholarship aid from the sticker price to show roughly what families really pay.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $10,260 |
| Off-campus title-IV students | $9,918 |
For a customized cost estimate, visit UNC Pembroke’s net price tool: uncp.clearcostcalculator.com/student/default/netpricecalculator/survey.
A typical borrower at UNC Pembroke leaves with $15,500 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $15,500 |
| Median federal debt (graduates only) | $25,000 |
| Typical 10-year monthly payment (graduates) | $265.04/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
The numbers below show the full range, not just the middle of the distribution. These percentiles trace how cumulative federal debt is spread among borrowers at UNC Pembroke.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $23,850 |
| 90th percentile (highest-debt students) | $31,269 |
How much a student borrows depends heavily on family income, first-gen status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $17,150 |
| Middle income | $15,000 |
| High income | $14,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,743 |
| Continuing-generation students | $14,606 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,500 |
| Independent students | $15,517 |
These indicators are derived from the underlying debt data and summarize the overall picture at UNC Pembroke.
Stafford loans make up the bulk of federal direct lending to undergraduates. These figures summarize annual Stafford program activity at UNC Pembroke:
| Metric | Value |
|---|---|
| Stafford loan recipients | 25909 |
| Total Stafford loan amount | $535,740,371 |
GI Bill and DoD Tuition Assistance are the two federal aid programs targeted at military-affiliated students.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 228 |
| Total GI Bill amount | $507,807 |
| Average GI Bill amount per recipient | $2,227 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 89 |
| Total DoD amount | $69,370 |
| Average DoD amount per recipient | $779 |
References
More about our data sources and methodologies.