by our College Data Analytics TeamThis guide covers the real cost of attending College of Central Florida, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
Use the section links below to navigate this overview:
Published attendance costs at College of Central Florida varied between $17,950.00 through $25,757.00 across residency tiers.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: close to $17,950.00 in-state against $25,757.00 out of state.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $2,710.00 |
| + Room, board & other expenses | $15,240.00 |
| Total cost | $17,950.00 |
| That is 7% below the national average net price. |
| Total cost | $17,950.00 |
| − Grants and scholarships | −$6,336.00 |
| Net price | $11,614.00 |
| That is 40% below the national average net price. |
| Total cost | $17,950.00 |
| − Grants and scholarships | −$7,328.00 |
| Net price | $10,622.00 |
| That is 45% below the national average net price. |
| Tuition and fees | $10,517.00 |
| + Room, board & other expenses | $15,240.00 |
| Total cost | $25,757.00 |
| That is 34% above the national average net price. |
| Total cost | $25,757.00 |
| − Grants and scholarships | −$6,336.00 |
| Net price | $19,421.00 |
| That is roughly at the national average net price. |
| Total cost | $25,757.00 |
| − Grants and scholarships | −$7,328.00 |
| Net price | $18,429.00 |
| That is 4% below the national average net price. | |
| For the full breakdown, see tuition and fees plus room and board. |
Below, a full degree is projected forward at today’s cost. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $10,622.00 | $11,614.00 | $17,950.00 |
| Senior year | $10,622.00 | $11,614.00 | $17,950.00 |
| Total 4-year net price | $42,488.00 | $46,456.00 | $71,800.00 |
| 10-year loan interest @ 6.8% | $16,186.00 | $17,698.00 | $27,353.00 |
| Total monthly payment | $489.00 | $535.00 | $826.00 |
| Total amount paid | $58,674.00 | $64,154.00 | $99,153.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $10,622.00 | $11,614.00 | $17,950.00 |
| Senior year | $10,622.00 | $11,614.00 | $17,950.00 |
| Total 2-year net price | $21,244.00 | $23,228.00 | $35,900.00 |
| 10-year loan interest @ 6.8% | $8,093.00 | $8,849.00 | $13,677.00 |
| Total monthly payment | $244.00 | $267.00 | $413.00 |
| Total amount paid | $29,337.00 | $32,077.00 | $49,577.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $18,429.00 | $19,421.00 | $25,757.00 |
| Senior year | $18,429.00 | $19,421.00 | $25,757.00 |
| Total 4-year net price | $73,716.00 | $77,684.00 | $103,028.00 |
| 10-year loan interest @ 6.8% | $28,083.00 | $29,595.00 | $39,250.00 |
| Total monthly payment | $848.00 | $894.00 | $1,186.00 |
| Total amount paid | $101,799.00 | $107,279.00 | $142,278.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $18,429.00 | $19,421.00 | $25,757.00 |
| Senior year | $18,429.00 | $19,421.00 | $25,757.00 |
| Total 2-year net price | $36,858.00 | $38,842.00 | $51,514.00 |
| 10-year loan interest @ 6.8% | $14,042.00 | $14,797.00 | $19,625.00 |
| Total monthly payment | $424.00 | $447.00 | $593.00 |
| Total amount paid | $50,900.00 | $53,639.00 | $71,139.00 |
| Read more in the Net Price section. |
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $12,088.00 |
| Average net price (off-campus) | $12,310.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $11,407.00 |
| $30,000 to $48,000 | $12,368.00 |
| $48,001 to $75,000 | $14,396.00 |
| $75,001 to $110,000 | $15,654.00 |
| Over $110,000 | $17,950.00 |
Get a tailored estimate from the College of Central Florida Net Price Calculator, or get in touch with the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
The median amount borrowed by graduates of College of Central Florida amounts to $8,550.00, which federal data classifies as a Very Low (<$10k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $3,450.00 |
| Median (50th) | $8,550.00 |
| 75th | $14,250.00 |
| 90th | $25,403.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student loan debt page.
Family income tracks closely with debt at graduation. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,210.00 |
| Middle income | $8,010.00 |
| High income | $6,500.00 |
Borrowers from lower-income families leave school with $2,710.00 more debt than their high-income peers.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $8,819.00 |
| Continuing-generation students | $6,972.00 |
First-generation graduates of College of Central Florida leave with $1,847.00 more debt than continuing-generation students.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell vs non-Pell debt gap at College of Central Florida stands at $2,577.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for College of Central Florida is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 21.3% |
For context on the loan portfolio, Stafford disbursements at College of Central Florida add up to $222,384,433.00 over 17,260 disbursements.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 385 |
| Avg GI Bill amount | $1,205.00 |
| DoD Tuition Assistance recipients | 15 |
| Avg DoD Tuition Assistance | $1,112.00 |
Explore GI Bill and military aid in detail on the college veterans page.
Numbers only tell part of the story. As you weigh College of Central Florida, keep these questions in mind:
Each page below covers one part of paying for college in more detail:
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.