UCNJ Union College of Union County New Jersey

Cranford, NJ

Public midsize campus Suburb: Large 7,939 undergrads

Affordability & debt

Average net price
$8,257per year, after aid
Undergraduates with a federal loan
7%
Undergraduates receiving a Pell grant
43%need-based, not repaid
Typical debt at graduation
$15,091federal loans, students who finished
Reducing their balance within 3 years
40%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $15,091. At 7% over 10 years — the standard federal plan — that is roughly $175 a month, about $21,026 repaid in total, of which $5,935 is interest.

Stretch the same balance over 25 years and the payment drops to $107 a month — but the total climbs to $31,998, roughly $10,972 more in interest. A smaller payment is not a smaller loan.

An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.

UCNJ Union College of Union County New Jersey’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.

Published tuition

In-state tuition
$5,280published rate
Out-of-state tuition
$9,500published rate

The sticker price before any aid. Most students pay less than this — the net price above is what aided students actually paid on average.

Outcomes

Median earnings
$41,59510 years after entry

Median earnings of former students who received federal aid, measured 10 years after they started.

Campus life

Campus setting
Suburb: Large

Most common fields of study

  • Health professions38%
  • Liberal arts & humanities22%
  • Business & marketing14%
  • Computer & information sciences7%
  • Homeland security & law enforcement4%
  • Engineering4%

Share of degrees awarded, by broad field.

Athletics

NJCAA Division II

  • Baseball
  • Basketball
  • Cross Country
  • Golf
  • Soccer
  • Track and Field
  • Volleyball
  • Wrestling

What borrowing would really cost

Starting from the typical debt at UCNJ Union College of Union County New Jersey. Change any figure to see your own.

Federal undergraduate loans have recently been near 7%. Private loans are often higher.

Standard plan — 10 years

$175per month

Total repaid
$21,026
Interest paid
$5,935

Longer term — 25 years

$107per month

Total repaid
$31,998
Interest paid
$16,907

Borrow $15,091 and repay it over 25 years instead of 10, and you pay $10,972 more — $31,998 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.

An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.

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Data from the U.S. Department of Education’s College Scorecard and the Equity in Athletics survey. Figures reflect the most recent reporting year available and may be out of date or incomplete — confirm anything decision-critical with the college directly. Official site: UCNJ Union College of Union County New Jersey.