Head-to-head comparison
University of North Carolina at Charlotte vs Chamberlain University-North Carolina: which has better ROI?
Option A Charlotte, NC
University of North Carolina at Charlotte
- Net price / year
- $15,435
- Earnings, 10 years
- $57,289
- Payback
- 6.9 yrs
Option B Charlotte, NC
Chamberlain University-North Carolina
- Net price / year
- $38,436
- Earnings, 10 years
- $92,405
- Payback
- 3.5 yrs
Chamberlain University-North Carolina has the better ROI: it clears its 4-year net cost of $153,744 in 3.5 years versus 6.9 years at University of North Carolina at Charlotte, on median earnings of $92,405 vs $57,289 ten years out. (Scorecard, 2026 · our math.)
| Measure | University of North Carolina at Charlotte | Chamberlain University-North Carolina |
|---|---|---|
| Net price / yr | $15,435 | $38,436 |
| Total net cost | $61,740 | $153,744 |
| Median earnings, 10 yrs | $57,289 | $92,405 |
| Median debt | $21,500 | $20,919 |
| Payback | 6.9 yrs | 3.5 yrs |
| 20-year net return | $116,840 | $727,156 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, University of North Carolina at Charlotte or Chamberlain University-North Carolina?
University of North Carolina at Charlotte, at $15,435 a year after aid versus $38,436 — a gap of $23,001 a year, or $92,004 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do University of North Carolina at Charlotte or Chamberlain University-North Carolina graduates earn more?
Chamberlain University-North Carolina graduates report a median $92,405 ten years after entry, $35,116 more than the $57,289 at University of North Carolina at Charlotte. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
The short answer
Which leaves students with less debt, University of North Carolina at Charlotte or Chamberlain University-North Carolina?
Chamberlain University-North Carolina: its completers carry a median $20,919 in federal loans versus $21,500 at University of North Carolina at Charlotte, a difference of $581. The figure counts students who finished; it excludes private loans and anyone who left before graduating.