Cost & ROI · 2026
Is University of Puerto Rico-Humacao worth it?
Pay $12,675/yr after aid. Graduates earn a median of $29,521 ten years out — about 2.3× the annual cost. EduGradify value grade: C.
The ROI math, in 30 seconds
Benchmarks
University of Puerto Rico-Humacao vs Puerto Rico avg vs national avg
How this school stacks up against the typical Puerto Rico college and the typical US college.
| Metric | University of Puerto Rico-Humacao | Puerto Rico avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $12,675 | $8,636 | $18,467 |
| Median earnings 10y | ▼ $29,521 | $26,446 | $50,834 |
| Median debt | ▲ $5,500 | $9,412 | $19,694 |
| Graduation rate | ▼ 47.1% | 43.2% | 49.9% |
| Acceptance rate | ▼ 54.8% | 65.8% | 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 $78,188 over four years. Most students get $6,872/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $5,500 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 19% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median University of Puerto Rico-Humacao grad earns about -$619,160 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 Puerto Rico-Humacao
The average student at University of Puerto Rico-Humacao pays $12,675 a year after grants and scholarships, against a $19,547 published sticker price. That is above the PR average net price of $8,636.
Ten years after entry, graduates earn a median of $29,521 — above the PR median of $26,446. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $5,500, roughly $60 a month on a standard ten-year plan — a manageable load at about 19% of one year's median earnings.
Smart alternatives
Cheaper Puerto Rico colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of University of Puerto Rico-Humacao.
San Juan, PR · Private Non-Profit Albizu University-San Juan B 
Bayamon, PR · Public University of Puerto Rico B 
San Juan, PR · Public University of Puerto Rico-Rio Piedras B Frequently asked
Cost & ROI questions
What is the net price at University of Puerto Rico-Humacao?
The average net price — what students actually pay after grants and scholarships — is $12,675 per year. That's $6,872/yr in financial aid against the $19,547 sticker price. Over four years, that adds up to roughly $50,700.
How much do University of Puerto Rico-Humacao graduates earn?
Ten years after enrolling, University of Puerto Rico-Humacao graduates earn a median of $29,521 per year — below the national average of $50,834. That's about 2.3× the annual net cost.
How much debt do University of Puerto Rico-Humacao graduates take on?
Median federal loan debt at graduation is $5,500 — about $60/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 3.8% of students take federal loans.
Is University of Puerto Rico-Humacao worth the cost?
EduGradify assigns University of Puerto Rico-Humacao a value grade of C — top 70% on real ROI nationally. The math: pay $12,675/yr, earn $29,521/yr ten years out, ROI score of 5.82. Exceptional Investment.
What financial aid is available at University of Puerto Rico-Humacao?
80.6% of students receive federal Pell Grants (need-based federal aid). 3.8% take federal student loans. On average, students get $6,872 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 Puerto Rico-Humacao?
In-state tuition is $5,364 per year. Out-of-state tuition is $5,364 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at University of Puerto Rico-Humacao?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $12,036. Students from families earning over $110k pay about $19,547. 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 →