University of North Carolina at Charlotte
Charlotte, North Carolina · Public · 79.6% acceptance rate
ROI Score: 68/100 · Fair Value
University of North Carolina at Charlotte
Fair ValueQuick Numbers
| In-state tuition + fees | $7,239/yr |
| Out-of-state tuition + fees | $22,492/yr |
| Average net price | $15,435/yr |
| Total 4-year cost (net) | $61,740 |
| Median earnings (10yr post-entry) | $57,289 |
| Median earnings (6yr post-entry) | $38,600 |
| Median debt at graduation | $21,500 |
| Estimated monthly loan payment | $228 |
| Estimated payback period | 9.1 years |
| 6-year graduation rate | 69.0% |
| Undergraduate enrollment | 24,453 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $10,357 |
| $30,001 - $48,000 | $10,668 |
| $48,001 - $75,000 | $13,690 |
| $75,001 - $110,000 | $19,822 |
| $110,001+ | $21,761 |
Earnings by Major
Top 10 most popular majors at University of North Carolina at Charlotte with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Computer Science | $93,037 | B+ |
| Finance and Financial Management | $74,965 | B |
| Psychology | $50,507 | D |
| Biology | $56,388 | D |
| Health and Medical Administrative Services | $52,400 | D |
| Communication and Media Studies | $60,407 | C |
| Business Administration, Management, and Operations | $70,654 | C+ |
| Marketing | $66,574 | C+ |
| Criminal Justice and Corrections | $53,738 | C |
| Mechanical Engineering | $88,265 | B |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
The Full Financial Picture
The sticker price at University of North Carolina at Charlotte is $7,239/year ($22,492/year out-of-state). But sticker price isn't what most students pay. After grants, scholarships, and financial aid, the average student pays a net price of $15,435/year, or roughly $61,740 over four years.
That net price varies significantly by family income. The lowest-income families (under $30,000/year) pay an average of $10,357/year, while families earning over $110,000 pay $21,761/year.
The median graduate leaves with $21,500 in federal loan debt, translating to an estimated monthly payment of $228 on a standard 10-year repayment plan. Against median earnings of $57,289 ten years out, the debt-to-earnings ratio is 0.56 - within the recommended range but worth monitoring.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | 64.5% | 52.0% |
| 3-year repayment | 70.3% | 62.0% |
| 5-year repayment | 68.6% | 68.0% |
| 7-year repayment | 74.2% | 72.0% |
Completion Rate
Admissions Snapshot
| Acceptance rate | 79.6% |
| SAT Math (25th-75th) | 570-670 |
| SAT Reading (25th-75th) | 570-660 |
| ACT Composite (25th-75th) | 21-28 |
| Enrollment | 24,453 |
| Pell Grant recipients | 33.9% |
| Avg faculty salary (monthly) | $11,828 |
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University of North Carolina at Charlotte (this school) | 68 | $15,435 | $57,289 |
| Oklahoma State University-Main Campus | 70 | $17,447 | $57,413 |
| University of Arkansas | 69 | $18,209 | $58,191 |
| Temple University | 64 | $28,198 | $63,727 |
| East Carolina University | 61 | $15,739 | $55,146 |
| Appalachian State University | 58 | $16,836 | $51,836 |
The Verdict: A Reasonable Bet - With Caveats
University of North Carolina at Charlotte offers fair financial value, though the ROI depends heavily on individual circumstances. The net cost of $15,435 per year leads to $61,740 over four years, while graduates earn a median of $57,289 a decade out. The payback period of 9.1 years is about average - not bad, but not a standout either.
Key strengths include strong earnings premium over high school graduates, a 69.0% graduation rate. However, the data also shows concerning loan repayment rates.
Median debt of $21,500 against $57,289 in earnings is reasonable, though major choice matters significantly. Students in higher-earning programs will see better returns.
Rankings & Links
Guides & Tools
Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.