by our College Data Analytics TeamA lot of students will not be asked to pay the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at University of Puerto Rico-Carolina can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
What financing options does UPR Carolina offer you, and what will you qualify for? Keep scrolling for more information. Keep going to learn what amount of financial assistance will be accessible to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. Read on to get a sense of the financial assistance available at University of Puerto Rico-Carolina.
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. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
Looking at the entering class at University of Puerto Rico-Carolina, 93% of new full-time first-years were awarded at least some aid roughly 656 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 92% | $6,815 |
| Institutional grants & scholarships | 22% | $1,405 |
| Federal Pell grants | 89% | $6,182 |
| State/local grants | 49% | $621 |
| Federal student loans | 3% | $2,704 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At this school, some 79% of undergraduate students received gift aid averaging $6,441 (across approximately 1913 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 79% | $6,441 |
| Federal Pell grants | 76% | $5,708 |
| Federal student loans | 3% | $3,460 |
Title-IV recipients living on campus saw average grant aid of $6,451.
Since aid is largely need-based, the real cost of attendance falls steeply for lower-income families.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $13,939 |
| $30,001 – $75,000 | $14,572 |
| Over $75,000 | $14,999 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
After grants and scholarships come off the published price, what remains is the net price — the best estimate of true out-of-pocket cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $12,945 |
| Off-campus title-IV students | $11,600 |
For a personalized estimate based on your family’s financial situation, use UPR Carolina’s online cost calculator: www.uprc.edu/net-price-calculator/.
The median federal debt load at UPR Carolina comes to $4,500 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $4,500 |
| Median federal debt (graduates only) | $5,500 |
| Typical 10-year monthly payment (graduates) | $58.31/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
The median alone does not show how widely outcomes vary across the student body. The four reference points below map the debt distribution at UPR Carolina.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,834 |
| 25th percentile | $3,000 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,916 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $4,500 |
| High income | $4,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $4,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $4,500 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. UPR Carolina.
Stafford loans make up the bulk of federal direct lending to undergraduates. The aggregate figures below show how active the program is at UPR Carolina:
| Metric | Value |
|---|---|
| Stafford loan recipients | 2233 |
| Total Stafford loan amount | $11,282,080 |
GI Bill and DoD Tuition Assistance are the two federal aid programs targeted at military-affiliated students.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 17 |
| Total GI Bill amount | $52,359 |
| Average GI Bill amount per recipient | $3,080 |
References
More about our data sources and methodologies.