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Annual Costs

Undergraduate Tuition

University of North Carolina at Charlotte tuition is $3,812 per year for in-state residents. This is 46% cheaper than the national average public four year tuition of $7,056. The cost is 79% cheaper than the average North Carolina tuition of $18,281 for 4 year colleges. Tuition ranks 7th in North Carolina amongst 4 year colleges for affordability and is the 61st most expensive 4 year college in the state. If attending from out-of-state, the tuition is $17,246 which represents a 352% premium.

The school charges an additional fees of $3,020 in addition to tuition bringing the total effective in-state tuition to $6,832.

Housing Costs

On campus room and board is provided by the school at a cost of $12,408 per academic year. Students electing to live off campus elsewhere in Charlotte should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,200.

Other Living Expenses

If living on-campus, students should budget for $3,207 in additional living expenses. Off-campus students should budget for $3,496 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state North Carolina residents to go to UNC Charlotte is $23,647 for the 2017/2018 academic year. Out-of-state students who don't have North Carolina residence can expect a one year cost of $37,081.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for University of North Carolina at Charlotte and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for University of North Carolina at Charlotte
Estimated Budgets
North Carolina Resident Total Budget $23,647
   In-State Tuition$3,812
   Other Fees$3,020
   Room and Board$12,408
   On-Campus Other Budget$3,207
   Books and Supplies$1,200
Non-Resident Total Budget $37,081
   Out-of-State Tuition$17,246
   Other Fees$3,020
   Room and Board$12,408
   On-Campus Other Budget$3,207
   Books and Supplies$1,200

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What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $23,647 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported UNC Charlotte net price for in-state students is $10,196* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

49% of University of North Carolina at Charlotte students received grant aid in 2014/2015. The average total aid amount was $8,100. 34 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,127. To apply for a Pell Grant to attend University of North Carolina at Charlotte, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for University of North Carolina at Charlotte
Financial Aid Summary
Average Annual Net Price$10,196*
Percent of Students Receiving Grant Aid49%
Average Total Grant Aid$8,100
Percent of Students Receiving Pell Grants34%
Average Amount of Pell Grant Aid$4,127

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$8,307
$30,001 to $48,000$8,877
$48,001 to $75,000$11,476
$75,001 to $110,000$16,028
$110,000+$17,720

Average Financial Aid Mix - $23,647 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $23,647. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

40%
27%
34%

Grants and Scholarships

 40% - $8,100

Money granted to you by the U.S. Department of Education, University of North Carolina at Charlotte or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 27% - $5,466

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 34% -  $6,874

Covered by family savings, work or private student loans which you will have to repay.


*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. University of North Carolina at Charlotte
University of North Carolina at Asheville8.1% more expensive
Western Carolina University4.2% more expensive
University of North Carolina at Wilmington16.6% more expensive
The University of Tennessee191.4% more expensive
North Georgia College & State University1.8% more expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at University of North Carolina at Charlotte.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at UNC Charlotte is $94,588 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $9,044 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $36,176**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $118,235 or $45,220 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at University of North Carolina at Charlotte.

North Carolina Resident Tuition Per Semester$1,906
North Carolina Resident Total Cost Per Semester$11,824
Non-North Carolina Resident Tuition Per Semester$8,623
Non-North Carolina Resident Total Cost Per Semester$18,540

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at University of North Carolina at Charlotte are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at University of North Carolina at Charlotte
Price per credit hour for North Carolina residents$285
Cost for one class for North Carolina residents (3 credit hours)$855
Price per credit hour for out of state residents$844
Cost for one class for out of state residents (3 credit hours)$2,532
Cost for one class for out of state residents (4 credit hours)$3,376

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Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 58% of University of North Carolina at Charlotte students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,466. The reported average student debt upon graduation is $25,394.

Example Loan Payments and Costs

How much are student loan payments for University of North Carolina at Charlotte? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $36,176, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $44,886.12. This could be your effective total out of pocket cost of an education at University of North Carolina at Charlotte. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 49% of students at this school who receive financial aid and you are paying an average annual net price of $9,044. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our University of North Carolina at Charlotte student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

University of North Carolina at Charlotte Student Loan Payments
Example Payments
Monthly Loan Payment$374.05
Amount Borrowed$36,176.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$8,710.12
Sum of All Payments over 10 years$44,886.12

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend UNC Charlotte? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending University of North Carolina at Charlotte, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $44,886.12 would be needed to afford a $374.05 monthly payment in the example $36,176.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to University of North Carolina at Charlotte in the future? In the past four years, this school's published in-state tuition and fee total rose from $3,453 to $3,812. This amounts to an average annual price increase of 2.1%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $94,588.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for University of North Carolina at Charlotte.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$32,520$130,081
Estimated Cost in 10 years for students enrolling in 2029$41,505$166,019
Estimated Cost in 15 years for students enrolling in 2034 $52,972$211,888
Estimated Cost in 18 years for students enrolling in 2037 $61,322$245,286

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at University of North Carolina at Charlotte to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Elementary Education and Teaching Bachelor's Degree 189 5% costlier
Registered Nursing/Registered Nurse Bachelor's Degree 183 3% costlier
Accounting Bachelor's Degree 181 0% cheaper
Computer Science Bachelor's Degree 123 12% cheaper
Mechanical Engineering Bachelor's Degree 120 13% cheaper
Architecture Bachelor's Degree 97 22% cheaper
Civil Engineering, General Bachelor's Degree 83 13% cheaper
Mechanical Engineering/Mechanical Technology/Technician Bachelor's Degree 52 8% costlier
Electrical and Electronics Engineering Bachelor's Degree 48 12% cheaper
Social Work Bachelor's Degree 47 3% costlier
Fine/Studio Arts, General Bachelor's Degree 47 14% cheaper
Electrical, Electronic and Communications Engineering Technology/Technician Bachelor's Degree 44 16% costlier
Civil Engineering Technology/Technician Bachelor's Degree 43 10% costlier
Engineering Technologies and Engineering-Related Fields, Other Bachelor's Degree 42 18% costlier
Business/Managerial Economics Bachelor's Degree 34 8% cheaper
Public Health Education and Promotion Bachelor's Degree 31 3% costlier
Chemistry, General Bachelor's Degree 31 11% cheaper
Junior High/Intermediate/Middle School Education and Teaching Bachelor's Degree 30 9% costlier
Criminal Justice/Safety Studies Bachelor's Degree 28 9% costlier
Geology/Earth Science, General Bachelor's Degree 26 10% cheaper
Meteorology Bachelor's Degree 24 3% cheaper
Fire Services Administration Bachelor's Degree 22 27% costlier
Computer Engineering, General Bachelor's Degree 22 13% cheaper
Special Education and Teaching, General Bachelor's Degree 20 4% costlier
Mathematics and Statistics, Other Bachelor's Degree 19 18% cheaper
Respiratory Care Therapy/Therapist Bachelor's Degree 19 9% costlier
Psychology, General Bachelor's Degree 18 8% cheaper
Finance, General Bachelor's Degree 16 0% cheaper
Business Administration and Management, General Bachelor's Degree 15 7% costlier
Sociology Bachelor's Degree 14 10% cheaper
Operations Management and Supervision Bachelor's Degree 13 14% costlier
Economics, General Bachelor's Degree 11 17% cheaper
Special Education and Teaching, Other Bachelor's Degree 9 4% costlier
Drama and Dance Teacher Education Bachelor's Degree 9 0% costlier
Music, General Bachelor's Degree 9 10% cheaper
Dance, General Bachelor's Degree 7 18% cheaper
History, General Bachelor's Degree 7 9% cheaper
Political Science and Government, General Bachelor's Degree 7 11% cheaper
Kindergarten/Preschool Education and Teaching Bachelor's Degree 6 17% costlier
Marketing/Marketing Management, General Bachelor's Degree 6 2% costlier
Athletic Training/Trainer Bachelor's Degree 6 2% cheaper
Systems Engineering Bachelor's Degree 6 5% cheaper
Art Teacher Education Bachelor's Degree 6 2% costlier
German Language and Literature Bachelor's Degree 6 21% cheaper
Spanish Language and Literature Bachelor's Degree 5 14% cheaper
Art/Art Studies, General Bachelor's Degree 5 5% cheaper
English Language and Literature, General Bachelor's Degree 5 8% cheaper
Japanese Language and Literature Bachelor's Degree 5 29% cheaper
Latin American Studies Bachelor's Degree 5 30% cheaper
Human Development and Family Studies, General Bachelor's Degree 5 0% costlier
African-American/Black Studies Bachelor's Degree 4 21% cheaper
Religion/Religious Studies Bachelor's Degree 4 22% cheaper
Music Teacher Education Bachelor's Degree 4 2% cheaper
Anthropology Bachelor's Degree 4 18% cheaper
Philosophy Bachelor's Degree 4 18% cheaper
Mathematics, General Bachelor's Degree 3 10% cheaper
Music Performance, General Bachelor's Degree 3 7% cheaper
Speech Communication and Rhetoric Bachelor's Degree 3 7% cheaper
Art History, Criticism and Conservation Bachelor's Degree 2 25% cheaper
Physics, General Bachelor's Degree 2 16% cheaper
French Language and Literature Bachelor's Degree 2 20% cheaper
Biology/Biological Sciences, General Bachelor's Degree 2 8% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 1 3% costlier
Geography Bachelor's Degree 1 0% costlier
International Business/Trade/Commerce Bachelor's Degree 1 10% cheaper
International/Global Studies Bachelor's Degree 1 16% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 1 13% cheaper
Management Information Systems, General Bachelor's Degree 1 1% costlier

Calculators

Use the calculators below to formulate a college savings plan for University of North Carolina at Charlotte or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford University of North Carolina at Charlotte in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a University of North Carolina at Charlotte student loan.

Prepayment Option

About University of North Carolina at Charlotte

University of North Carolina at Charlotte is a four year public college located in Charlotte, North Carolina.  Full time enrollment is 22,754 and part time is 5,967.

Students attending this school may pursue both undergraduate and graduate degrees.

Address
University of North Carolina at Charlotte
9201 University City Blvd
Charlotte, North Carolina
28223-0001

For Profit / Not For Profit Status

University of North Carolina at Charlotte is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

University of North Carolina at Charlotte cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=199139 IPEDS survey data.