by our College Data Analytics TeamThis guide covers the real cost of attending University of North Carolina Wilmington, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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Published attendance costs at University of North Carolina Wilmington spanned $25,913.00 ranging to $42,788.00 across residency tiers.
In-state students paid the lower published figure, while out-of-state students faced the higher one: roughly $25,913.00 in-state against $42,788.00 for out-of-state students.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $7,277.00 |
| + Room, board & other expenses | $18,636.00 |
| Total cost | $25,913.00 |
| That is 35% above the national average net price. |
| Total cost | $25,913.00 |
| − Grants and scholarships | −$6,438.00 |
| Net price | $19,475.00 |
| That is roughly at the national average net price. |
| Total cost | $25,913.00 |
| − Grants and scholarships | −$15,769.00 |
| Net price | $10,144.00 |
| That is 47% below the national average net price. |
| Tuition and fees | $24,152.00 |
| + Room, board & other expenses | $18,636.00 |
| Total cost | $42,788.00 |
| That is 122% above the national average net price. |
| Total cost | $42,788.00 |
| − Grants and scholarships | −$6,438.00 |
| Net price | $36,350.00 |
| That is 89% above the national average net price. |
| Total cost | $42,788.00 |
| − Grants and scholarships | −$15,769.00 |
| Net price | $27,019.00 |
| That is 40% above the national average net price. | |
| For the full breakdown, see tuition and fees plus room and board. |
Cost of attendance here has been rising at about 4.3% per year; the projections below compound that across a degree. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $10,578.00 | $20,308.00 | $27,022.00 |
| Senior year | $11,995.00 | $23,029.00 | $30,642.00 |
| Total 4-year net price | $45,107.00 | $86,599.00 | $115,226.00 |
| 10-year loan interest @ 6.8% | $17,184.00 | $32,991.00 | $43,897.00 |
| Total monthly payment | $519.00 | $997.00 | $1,326.00 |
| Total amount paid | $62,291.00 | $119,590.00 | $159,123.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $10,578.00 | $20,308.00 | $27,022.00 |
| Senior year | $11,031.00 | $21,178.00 | $28,178.00 |
| Total 2-year net price | $21,609.00 | $41,486.00 | $55,200.00 |
| 10-year loan interest @ 6.8% | $8,232.00 | $15,805.00 | $21,029.00 |
| Total monthly payment | $249.00 | $477.00 | $635.00 |
| Total amount paid | $29,841.00 | $57,291.00 | $76,230.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $28,175.00 | $37,906.00 | $44,619.00 |
| Senior year | $31,950.00 | $42,983.00 | $50,596.00 |
| Total 4-year net price | $120,144.00 | $161,636.00 | $190,264.00 |
| 10-year loan interest @ 6.8% | $45,771.00 | $61,578.00 | $72,484.00 |
| Total monthly payment | $1,383.00 | $1,860.00 | $2,190.00 |
| Total amount paid | $165,915.00 | $223,214.00 | $262,747.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $28,175.00 | $37,906.00 | $44,619.00 |
| Senior year | $29,381.00 | $39,528.00 | $46,529.00 |
| Total 2-year net price | $57,556.00 | $77,433.00 | $91,148.00 |
| 10-year loan interest @ 6.8% | $21,927.00 | $29,499.00 | $34,724.00 |
| Total monthly payment | $662.00 | $891.00 | $1,049.00 |
| Total amount paid | $79,483.00 | $106,933.00 | $125,872.00 |
See the full net-price breakdown in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $20,109.00 |
| Average net price (off-campus) | $19,472.00 |
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 | $11,837.00 |
| $30,000 to $48,000 | $13,891.00 |
| $48,001 to $75,000 | $18,377.00 |
| $75,001 to $110,000 | $23,374.00 |
| Over $110,000 | $25,018.00 |
Run your own numbers with the University of North Carolina Wilmington Net Price Calculator, or contact the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
The median amount borrowed by graduates of University of North Carolina Wilmington comes to $15,178.00, which the Department of Education classifies as a Low ($10-20k) debt-load classification.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,223.00 |
| 25th | $7,500.00 |
| Median (50th) | $15,178.00 |
| 75th | $25,802.00 |
| 90th | $31,000.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Dig deeper into debt on the student loan debt detail.
Debt outcomes vary substantially with family income. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,750.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
On average, low-income graduates leave with $750.00 more than graduates from high-income families.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,500.00 |
| Continuing-generation students | $15,000.00 |
First-generation graduates from University of North Carolina Wilmington graduate with $500.00 more median debt than continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell vs non-Pell debt gap at University of North Carolina Wilmington amounts to $2,827.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate category at University of North Carolina Wilmington is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.8% |
To put the rates in context, Stafford loans at University of North Carolina Wilmington come to $790,837,192.00 over 41,127 disbursements.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 615 |
| Avg GI Bill amount | $6,651.00 |
| DoD Tuition Assistance recipients | 50 |
| Avg DoD Tuition Assistance | $2,245.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing University of North Carolina Wilmington, consider the following:
Each page below covers one part of paying for college in more detail:
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.