Cost, debt & salary

Is The University of North Carolina at Pembroke worth it? What it costs, and what graduates earn

You would borrow a median $25,000 — about $284 a month for ten years. Graduates earn a median $43,407 ten years after starting, so the debt clears in roughly 6.4 years of the salary premium.

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Is it worth the money?

Think hard. On these numbers the salary premium struggles to clear what students borrow.

You borrow $25,000 median federal debt at graduation
You repay $284/mo standard 10-year federal plan
You earn $43,407 median, 10 years after entry · beats 12%
Debt clears in 6.4 yrs ranked 788 of 810

What that feels like each month Repayment against the salary that has to cover it.

Gross monthly pay
$3,617
Loan repayment
$284
Share of your pay
7.9%
0%15% — the comfort line25%

Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.

Cut the debt before you borrow it

Every dollar you win is a dollar you never repay — and it moves the 6.4-year payback above. We list 1 scholarship tied to The University of North Carolina at Pembroke.

The University of North Carolina Danford, Sr. and Reece Graham...
See all 1 The University of North Carolina at Pembroke scholarships →

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How The University of North Carolina at Pembroke compares Against the 810 US universities we grade on payback.

The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. The University of North Carolina at Pembroke takes longer than that, and its graduates earn $3,887 a year more than a US worker with only a high-school diploma.

Nearby universityGradeDebtEarningsPayback
North Carolina Central University North Carolina F $28,250 $42,968 8.2 yrs
Montreat College North Carolina F $25,813 $45,151 4.6 yrs
University of North Carolina at Asheville North Carolina F $20,500 $44,030 4.6 yrs
Johnson C. Smith University North Carolina F $30,000 $42,680 9.5 yrs
Guilford College North Carolina F $26,000 $47,590 3.2 yrs

The University of North Carolina at Pembroke — the money questions

How much do graduates of The University of North Carolina at Pembroke earn?
Median earnings are $43,407 a year, measured ten years after students first enrolled — from tax records, not a survey. That is higher than 12% of the US universities we hold figures for.
How much debt will I have at The University of North Carolina at Pembroke?
The median graduate leaves with $25,000 of federal loans. On the standard ten-year plan that is about $284 a month — roughly 7.9% of the median graduate's monthly pay before tax.
How long does a degree from The University of North Carolina at Pembroke take to pay for itself?
About 6.4 years of the salary premium — the amount graduates earn above the $39,520 a US worker with only a high-school diploma makes. That ranks it 788 of 810 US universities we grade on payback.
Can scholarships reduce this debt?
Yes — we list 1 scholarship tied to The University of North Carolina at Pembroke. Each award you win comes straight off the borrowing above, and the payback figure falls with it.
Do these numbers apply to my subject?
No. The Department of Education publishes one figure per institution, so nursing, engineering and fine art students at The University of North Carolina at Pembroke all sit inside the same median. Treat it as the size of the financial risk, not a salary forecast for your course.
The University of North Carolina at Pembroke profile Programmes at The University of North Carolina at Pembroke The University of North Carolina at Pembroke scholarships Compare with North Carolina Central University Payback across North Carolina What The University of North Carolina at Pembroke costs Student loan record SAT scores & admission Fastest-paying US degrees Lowest student debt How we calculate this

Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.