University of California-Merced

Merced, CA

Public midsize campus Suburb: Midsize 8,372 undergrads

Affordability & debt

Average net price
$11,983per year, after aid
Undergraduates with a federal loan
29%
Undergraduates receiving a Pell grant
59%need-based, not repaid
Typical debt at graduation
$16,144federal loans, students who finished
Reducing their balance within 3 years
65%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $16,144. At 7% over 10 years — the standard federal plan — that is roughly $187 a month, about $22,493 repaid in total, of which $6,349 is interest.

Stretch the same balance over 25 years and the payment drops to $114 a month — but the total climbs to $34,231, roughly $11,737 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.

University of California-Merced’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
$15,623published rate
Out-of-state tuition
$49,823published 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.

Admissions

Acceptance rate
91%

Context for the class as a whole, not a prediction about any one applicant.

Outcomes

Median earnings
$64,36810 years after entry

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

Campus life

Campus setting
Suburb: Midsize
Residential character
Primarily residential — many students live on campus

Most common fields of study

  • Engineering23%
  • Psychology19%
  • Biological & biomedical sciences17%
  • Business & marketing11%
  • Social sciences11%
  • Health professions6%

Share of degrees awarded, by broad field.

Athletics

NAIA Division II

  • Basketball
  • Cross Country
  • Soccer
  • Track and Field
  • Volleyball
  • Water Polo

What borrowing would really cost

Starting from the typical debt at University of California-Merced. Change any figure to see your own.

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

Standard plan — 10 years

$187per month

Total repaid
$22,493
Interest paid
$6,349

Longer term — 25 years

$114per month

Total repaid
$34,231
Interest paid
$18,087

Borrow $16,144 and repay it over 25 years instead of 10, and you pay $11,737 more — $34,231 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: University of California-Merced.