by our College Data Analytics TeamHere’s the full picture on paying for Southwestern Oklahoma State University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
Use the links below to jump straight to any section on this page:
Published attendance costs at Southwestern Oklahoma State University spanned $22,973.00 ranging to $23,003.00 depending on residency and living arrangement.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: close to $22,973.00 in-state compared with $23,003.00 for out-of-state students.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $8,469.00 |
| + Room, board & other expenses | $14,504.00 |
| Total cost | $22,973.00 |
| That is 19% above the national average net price. |
| Total cost | $22,973.00 |
| − Grants and scholarships | −$8,875.00 |
| Net price | $14,098.00 |
| That is 27% below the national average net price. |
| Total cost | $22,973.00 |
| − Grants and scholarships | −$12,347.00 |
| Net price | $10,626.00 |
| That is 45% below the national average net price. |
| Tuition and fees | $8,499.00 |
| + Room, board & other expenses | $14,504.00 |
| Total cost | $23,003.00 |
| That is 19% above the national average net price. |
| Total cost | $23,003.00 |
| − Grants and scholarships | −$8,875.00 |
| Net price | $14,128.00 |
| That is 27% below the national average net price. |
| Total cost | $23,003.00 |
| − Grants and scholarships | −$12,347.00 |
| Net price | $10,656.00 |
| That is 45% below the national average net price. | |
| Explore each piece on the tuition & fees page and living costs. |
The projections below extend the current annual cost across a degree. Below, the cost is projected across a degree for three students at once — low-income with 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% | 0% | 0% |
| Freshman year | $10,626.00 | $14,098.00 | $22,973.00 |
| Senior year | $10,626.00 | $14,098.00 | $22,973.00 |
| Total 4-year net price | $42,504.00 | $56,392.00 | $91,892.00 |
| 10-year loan interest @ 6.8% | $16,192.00 | $21,483.00 | $35,008.00 |
| Total monthly payment | $489.00 | $649.00 | $1,057.00 |
| Total amount paid | $58,696.00 | $77,875.00 | $126,900.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $10,626.00 | $14,098.00 | $22,973.00 |
| Senior year | $10,626.00 | $14,098.00 | $22,973.00 |
| Total 2-year net price | $21,252.00 | $28,196.00 | $45,946.00 |
| 10-year loan interest @ 6.8% | $8,096.00 | $10,742.00 | $17,504.00 |
| Total monthly payment | $245.00 | $324.00 | $529.00 |
| Total amount paid | $29,348.00 | $38,938.00 | $63,450.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $10,656.00 | $14,128.00 | $23,003.00 |
| Senior year | $10,656.00 | $14,128.00 | $23,003.00 |
| Total 4-year net price | $42,624.00 | $56,512.00 | $92,012.00 |
| 10-year loan interest @ 6.8% | $16,238.00 | $21,529.00 | $35,053.00 |
| Total monthly payment | $491.00 | $650.00 | $1,059.00 |
| Total amount paid | $58,862.00 | $78,041.00 | $127,065.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $10,656.00 | $14,128.00 | $23,003.00 |
| Senior year | $10,656.00 | $14,128.00 | $23,003.00 |
| Total 2-year net price | $21,312.00 | $28,256.00 | $46,006.00 |
| 10-year loan interest @ 6.8% | $8,119.00 | $10,765.00 | $17,527.00 |
| Total monthly payment | $245.00 | $325.00 | $529.00 |
| Total amount paid | $29,431.00 | $39,021.00 | $63,533.00 |
| For the complete net-price picture, see the net price section below. |
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $14,459.00 |
| Average net price (off-campus) | $14,542.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,740.00 |
| $30,000 to $48,000 | $11,695.00 |
| $48,001 to $75,000 | $13,263.00 |
| $75,001 to $110,000 | $17,412.00 |
| Over $110,000 | $18,669.00 |
For a personalized estimate, try the [Southwestern Oklahoma State University Net Price Calculator](https://tcc.ruffalonl.com/Southwestern Oklahoma State University/Freshman-Students), or check with the financial aid office.
Dig into how aid is awarded on the grants & scholarships detail.
Median graduate debt at Southwestern Oklahoma State University stands at $11,750.00, categorized as a Low ($10-20k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,573.00 |
| 25th | $4,650.00 |
| Median (50th) | $11,750.00 |
| 75th | $18,300.00 |
| 90th | $28,460.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Read the complete debt breakdown on the student loan debt page.
Debt at graduation is far from uniform across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,000.00 |
| Middle income | $11,000.00 |
| High income | $12,000.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,000.00 |
| Continuing-generation students | $11,000.00 |
First-generation borrowers from Southwestern Oklahoma State University hold $1,000.00 more median debt than continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Pell vs non-Pell comparisons surface how debt breaks down by need.
The gap between Pell-eligible and non-Pell median debt at Southwestern Oklahoma State University is $187.00. This school carries a federal Pell-debt-inequity flag.
The Department of Education default-rate tier for Southwestern Oklahoma State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 13.6% |
For context on the loan portfolio, Stafford disbursements at Southwestern Oklahoma State University add up to $295,759,547.00 covering 16,036 loan recipients.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 65 |
| Avg GI Bill amount | $5,978.00 |
Explore GI Bill and military aid in detail on the college veterans page.
Use the figures above as a launch point, then think through Southwestern Oklahoma State University, think through the questions below:
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.