by our College Data Analytics TeamMost students will not be asked to pay the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total cost of going to Oklahoma State University-Main Campus can seem overpowering, but remember that the majority of students are given some form of financial assistance.
What financial aid options can OSU offer you, and what will you qualify for? Keep reading for more information. Keep reading to see just how much financial aid could be open to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. The information provided on this page can help you determine how much aid you may receive from Oklahoma State University-Main Campus.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
For incoming first-year students at Oklahoma State University-Main Campus, 96% of entering full-time freshmen got some type of financial assistance around 4386 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 94% | $10,353 |
| Institutional grants & scholarships | 92% | $7,536 |
| Federal Pell grants | 30% | $5,896 |
| State/local grants | 18% | $5,099 |
| Federal student loans | 43% | $5,413 |
Unlike loans, grants and scholarships are gift aid that does not need to be paid back, making them the most desirable form of assistance. Here, roughly 87% of undergraduates were awarded an average grant or scholarship of $9,896 (for some 18519 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 87% | $9,896 |
| Federal Pell grants | 28% | $5,741 |
| Federal student loans | 37% | $6,526 |
For on-campus title-IV students, average grant aid came to $10,843.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $11,044 |
| $30,001 – $75,000 | $13,574 |
| Over $75,000 | $22,043 |
Remember these are net prices — what families pay after gift aid, not before.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $17,447 |
| Off-campus title-IV students | $16,378 |
For an estimate tailored to your family circumstances, see OSU’s online cost calculator: orange.okstate.edu/register/net-price-calculator.
Graduating students at OSU carry a median federal student debt of $15,500 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $15,500 |
| Median federal debt (graduates only) | $20,500 |
| Typical 10-year monthly payment (graduates) | $217.33/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
The numbers below show the full range, not just the middle of the distribution. These percentiles trace how cumulative federal debt is spread among borrowers at OSU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,500 |
| 75th percentile | $25,500 |
| 90th percentile (highest-debt students) | $32,000 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,250 |
| Middle income | $15,000 |
| High income | $16,000 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,269 |
| Continuing-generation students | $15,574 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $18,750 |
These indicators are derived from the underlying debt data and summarize the overall picture at OSU.
The Stafford loan program is the largest source of federal direct loans to undergraduates. Below is the annual Stafford program activity at OSU:
| Metric | Value |
|---|---|
| Stafford loan recipients | 61901 |
| Total Stafford loan amount | $1,340,302,440 |
If you are a veteran or active-duty service member, the GI Bill and DoD Tuition Assistance are the primary federal programs you can use at this school.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 481 |
| Total GI Bill amount | $4,613,868 |
| Average GI Bill amount per recipient | $9,592 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 115 |
| Total DoD amount | $321,633 |
| Average DoD amount per recipient | $2,797 |
References
More about our data sources and methodologies.