by our College Data Analytics TeamThis overview lays out the cost of attending Oklahoma Panhandle State University, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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Published attendance costs at Oklahoma Panhandle State University came in between $14,356.00 ranging to $14,939.00 based on in-state versus out-of-state status.
Where you live mattered — in-state students paid less than out-of-state students: around $14,356.00 in-state versus $14,939.00 for those paying out-of-state rates.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $8,090.00 |
| + Room, board & other expenses | $6,266.00 |
| Total cost | $14,356.00 |
| That is 25% below the national average net price. |
| Total cost | $14,356.00 |
| − Grants and scholarships | −$7,642.00 |
| Net price | $6,714.00 |
| That is 65% below the national average net price. |
| Total cost | $14,356.00 |
| − Grants and scholarships | −$7,753.00 |
| Net price | $6,603.00 |
| That is 66% below the national average net price. |
| Tuition and fees | $8,673.00 |
| + Room, board & other expenses | $6,266.00 |
| Total cost | $14,939.00 |
| That is 22% below the national average net price. |
| Total cost | $14,939.00 |
| − Grants and scholarships | −$7,642.00 |
| Net price | $7,297.00 |
| That is 62% below the national average net price. |
| Total cost | $14,939.00 |
| − Grants and scholarships | −$7,753.00 |
| Net price | $7,186.00 |
| That is 63% below the national average net price. | |
| For the full breakdown, see the tuition & fees page plus room and board. |
Cost of attendance here has been rising by roughly 1.8% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.8% | 1.8% | 1.8% |
| Freshman year | $6,719.00 | $6,832.00 | $14,608.00 |
| Senior year | $7,079.00 | $7,198.00 | $15,391.00 |
| Total 4-year net price | $27,592.00 | $28,056.00 | $59,990.00 |
| 10-year loan interest @ 6.8% | $10,512.00 | $10,688.00 | $22,854.00 |
| Total monthly payment | $318.00 | $323.00 | $690.00 |
| Total amount paid | $38,104.00 | $38,744.00 | $82,844.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.8% | 1.8% | 1.8% |
| Freshman year | $6,719.00 | $6,832.00 | $14,608.00 |
| Senior year | $6,837.00 | $6,952.00 | $14,865.00 |
| Total 2-year net price | $13,556.00 | $13,784.00 | $29,473.00 |
| 10-year loan interest @ 6.8% | $5,164.00 | $5,251.00 | $11,228.00 |
| Total monthly payment | $156.00 | $159.00 | $339.00 |
| Total amount paid | $18,720.00 | $19,035.00 | $40,701.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.8% | 1.8% | 1.8% |
| Freshman year | $7,312.00 | $7,425.00 | $15,201.00 |
| Senior year | $7,704.00 | $7,823.00 | $16,016.00 |
| Total 4-year net price | $30,028.00 | $30,492.00 | $62,426.00 |
| 10-year loan interest @ 6.8% | $11,440.00 | $11,616.00 | $23,782.00 |
| Total monthly payment | $346.00 | $351.00 | $718.00 |
| Total amount paid | $41,468.00 | $42,109.00 | $86,208.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.8% | 1.8% | 1.8% |
| Freshman year | $7,312.00 | $7,425.00 | $15,201.00 |
| Senior year | $7,441.00 | $7,556.00 | $15,468.00 |
| Total 2-year net price | $14,753.00 | $14,981.00 | $30,670.00 |
| 10-year loan interest @ 6.8% | $5,620.00 | $5,707.00 | $11,684.00 |
| Total monthly payment | $170.00 | $172.00 | $353.00 |
| Total amount paid | $20,373.00 | $20,688.00 | $42,354.00 |
Jump to the net-price detail in the net-price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $7,413.00 |
| Average net price (off-campus) | $7,557.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $7,372.00 |
| $30,000 to $48,000 | $10,224.00 |
| $48,001 to $75,000 | $14,356.00 |
| $75,001 to $110,000 | $13,933.00 |
Get a tailored estimate from the Oklahoma Panhandle State University Net Price Calculator, or visit the financial aid office.
Dig into how aid is awarded on the financial aid page.
The typical debt load for borrowers leaving Oklahoma Panhandle State University works out to $7,500.00, which federal data classifies as a Very Low (<$10k) debt-load classification.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $4,750.00 |
| Median (50th) | $7,500.00 |
| 75th | $18,322.00 |
| 90th | $27,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Dig deeper into debt on the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $5,500.00 |
| Middle income | $7,500.00 |
| High income | $10,000.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $7,500.00 |
| Continuing-generation students | $7,500.00 |
The default-rate classification at Oklahoma Panhandle State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 9.3% |
For a sense of scale, Stafford disbursements at Oklahoma Panhandle State University total $58,503,952.00 over 5,022 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 6 |
| Avg GI Bill amount | $5,714.00 |
Read more about military and veteran aid on the veterans benefits detail.
The figures above are a starting point — as you weigh Oklahoma Panhandle State University, keep these questions in mind:
Use the pages below to go deeper on a specific part of the cost story:
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.