by our College Data Analytics TeamThis guide covers the real cost of attending State University of New York at Oswego, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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The full cost of attending State University of New York at Oswego spanned $27,155.00 ranging to $37,065.00 depending on whether you qualify for in-state rates.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: near $27,155.00 in-state compared with $37,065.00 out of state.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $8,825.00 |
| + Room, board & other expenses | $18,330.00 |
| Total cost | $27,155.00 |
| That is 41% above the national average net price. |
| Total cost | $27,155.00 |
| − Grants and scholarships | −$10,816.00 |
| Net price | $16,339.00 |
| That is 15% below the national average net price. |
| Total cost | $27,155.00 |
| − Grants and scholarships | −$18,338.00 |
| Net price | $8,817.00 |
| That is 54% below the national average net price. |
| Tuition and fees | $18,735.00 |
| + Room, board & other expenses | $18,330.00 |
| Total cost | $37,065.00 |
| That is 93% above the national average net price. |
| Total cost | $37,065.00 |
| − Grants and scholarships | −$10,816.00 |
| Net price | $26,249.00 |
| That is 36% above the national average net price. |
| Total cost | $37,065.00 |
| − Grants and scholarships | −$18,338.00 |
| Net price | $18,727.00 |
| That is 3% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees and room and board. |
Published costs have climbed year over year at about 0.1% a year, so a full degree will cost more than a single year — the tables below carry that forward. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $8,826.00 | $16,355.00 | $27,182.00 |
| Senior year | $8,852.00 | $16,404.00 | $27,264.00 |
| Total 4-year net price | $35,356.00 | $65,519.00 | $108,892.00 |
| 10-year loan interest @ 6.8% | $13,469.00 | $24,961.00 | $41,484.00 |
| Total monthly payment | $407.00 | $754.00 | $1,253.00 |
| Total amount paid | $48,826.00 | $90,480.00 | $150,375.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $8,826.00 | $16,355.00 | $27,182.00 |
| Senior year | $8,835.00 | $16,372.00 | $27,209.00 |
| Total 2-year net price | $17,660.00 | $32,727.00 | $54,391.00 |
| 10-year loan interest @ 6.8% | $6,728.00 | $12,468.00 | $20,721.00 |
| Total monthly payment | $203.00 | $377.00 | $626.00 |
| Total amount paid | $24,388.00 | $45,195.00 | $75,113.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $18,746.00 | $26,275.00 | $37,102.00 |
| Senior year | $18,802.00 | $26,354.00 | $37,213.00 |
| Total 4-year net price | $75,095.00 | $105,259.00 | $148,631.00 |
| 10-year loan interest @ 6.8% | $28,609.00 | $40,100.00 | $56,623.00 |
| Total monthly payment | $864.00 | $1,211.00 | $1,710.00 |
| Total amount paid | $103,704.00 | $145,358.00 | $205,254.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $18,746.00 | $26,275.00 | $37,102.00 |
| Senior year | $18,764.00 | $26,301.00 | $37,139.00 |
| Total 2-year net price | $37,510.00 | $52,577.00 | $74,241.00 |
| 10-year loan interest @ 6.8% | $14,290.00 | $20,030.00 | $28,283.00 |
| Total monthly payment | $432.00 | $605.00 | $854.00 |
| Total amount paid | $51,800.00 | $72,607.00 | $102,524.00 |
Read more in the net price section below.
Net price strips out grant and scholarship aid to show what families really pay. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $16,236.00 |
| Average net price (off-campus) | $17,231.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,677.00 |
| $30,000 to $48,000 | $14,114.00 |
| $48,001 to $75,000 | $18,084.00 |
| $75,001 to $110,000 | $18,588.00 |
| Over $110,000 | $23,253.00 |
For a personalized estimate, try the State University of New York at Oswego Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
The median amount borrowed by graduates of State University of New York at Oswego is $15,750.00, which federal data classifies as a Low ($10-20k) burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,659.00 |
| 25th | $8,071.00 |
| Median (50th) | $15,750.00 |
| 75th | $26,898.00 |
| 90th | $32,400.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,817.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
Low-income graduates carry $1,817.00 more debt than high-income graduates.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,000.00 |
| Continuing-generation students | $15,489.00 |
First-generation borrowers from State University of New York at Oswego graduate with $511.00 more than continuing-generation graduates.
Pell Grants are the largest source of federal need-based aid for undergrads. Pell vs non-Pell comparisons surface how debt breaks down by need.
The median debt difference between Pell-eligible and non-Pell graduates of State University of New York at Oswego is $2,252.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The Department of Education default-rate tier for State University of New York at Oswego is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.7% |
For context on the loan portfolio, Stafford disbursements at State University of New York at Oswego come to $607,691,852.00 distributed across 32,729 student borrowers.
Veteran and active-military students often access dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 63 |
| Avg GI Bill amount | $7,070.00 |
| DoD Tuition Assistance recipients | 5 |
| Avg DoD Tuition Assistance | $2,550.00 |
Read more about military and veteran aid on the veterans benefits detail.
Use the figures above as a launch point, then think through State University of New York at Oswego, a few questions are worth asking:
Explore the related pages below for a deeper look at the cost picture:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.