Cost & ROI · 2026
Is University of Phoenix-Arizona worth it?
Pay $13,520/yr after aid. Graduates earn a median of $37,752 ten years out — about 2.8× the annual cost. EduGradify value grade: C.
The ROI math, in 30 seconds
Benchmarks
University of Phoenix-Arizona vs Arizona avg vs national avg
How this school stacks up against the typical Arizona college and the typical US college.
| Metric | University of Phoenix-Arizona | Arizona avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $13,520 | $23,328 | $18,467 |
| Median earnings 10y | ▼ $37,752 | $45,671 | $50,834 |
| Median debt | ▼ $31,553 | $18,635 | $19,694 |
| Graduation rate | ▼ 20.8% | 44.9% | 49.9% |
| Acceptance rate | — | 88.7% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $79,636 over four years. Most students get $6,389/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $31,553 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 84% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're below the recommended ceiling.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median University of Phoenix-Arizona grad earns about -$289,920 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about University of Phoenix-Arizona
The average student at University of Phoenix-Arizona pays $13,520 a year after grants and scholarships, against a $19,909 published sticker price. That is below the AZ average net price of $23,328.
Ten years after entry, graduates earn a median of $37,752 — below the AZ median of $45,671. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $31,553, roughly $342 a month on a standard ten-year plan — a heavy load at about 84% of one year's median earnings.
Smart alternatives
Cheaper Arizona colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of University of Phoenix-Arizona.
Frequently asked
Cost & ROI questions
What is the net price at University of Phoenix-Arizona?
The average net price — what students actually pay after grants and scholarships — is $13,520 per year. That's $6,389/yr in financial aid against the $19,909 sticker price. Over four years, that adds up to roughly $54,080.
How much do University of Phoenix-Arizona graduates earn?
Ten years after enrolling, University of Phoenix-Arizona graduates earn a median of $37,752 per year — below the national average of $50,834. That's about 2.8× the annual net cost.
How much debt do University of Phoenix-Arizona graduates take on?
Median federal loan debt at graduation is $31,553 — about $342/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 62.5% of students take federal loans.
Is University of Phoenix-Arizona worth the cost?
EduGradify assigns University of Phoenix-Arizona a value grade of C — top 55% on real ROI nationally. The math: pay $13,520/yr, earn $37,752/yr ten years out, ROI score of 6.98. Exceptional Investment.
What financial aid is available at University of Phoenix-Arizona?
49.8% of students receive federal Pell Grants (need-based federal aid). 62.5% take federal student loans. On average, students get $6,389 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at University of Phoenix-Arizona?
In-state tuition is $9,552 per year. Out-of-state tuition is $9,552 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at University of Phoenix-Arizona?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $12,776. Students from families earning over $110k pay about $19,150. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →