by our College Data Analytics TeamMost students will not be asked to pay the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The sum total of attendance at Southwestern Oklahoma State University can sound tremendous, but do not forget that almost all students get some type of financial help.
What financial aid options can SWOSU offer you, and what will you qualify for? Keep reading for more information. Scroll down to discover just how much financial aid could be open to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The information provided on this page can help you determine how much aid you may receive from Southwestern Oklahoma State University.
Through a mix of loans, grants, work-study and scholarships, schools bring down the effective cost so more students can attend. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
For freshmen starting at Southwestern Oklahoma State University, 93% of entering full-time freshmen got some type of financial assistance (about 642 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 88% | $8,906 |
| Institutional grants & scholarships | 72% | $4,022 |
| Federal Pell grants | 49% | $6,238 |
| State/local grants | 32% | $5,841 |
| Federal student loans | 34% | $4,852 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. Here, approximately 83% of undergraduates were awarded grant or scholarship aid averaging $7,746 (for some 3303 awardees).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 83% | $7,746 |
| Federal Pell grants | 39% | $5,546 |
| Federal student loans | 31% | $6,204 |
Title-IV recipients living on campus saw average grant aid of $8,875.
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 | $11,080 |
| $30,001 – $75,000 | $12,504 |
| Over $75,000 | $18,125 |
Each figure is the net price after grants and scholarships, not the published sticker price.
After grants and scholarships come off the published price, what remains is the net price — the best estimate of true out-of-pocket cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $14,459 |
| Off-campus title-IV students | $14,542 |
To get a personalized net price estimate, try SWOSU’s net price calculator: [tcc.ruffalonl.com/Southwestern Oklahoma State University/Freshman-Students](https://tcc.ruffalonl.com/Southwestern Oklahoma State University/Freshman-Students).
The median student at SWOSU graduates with $11,750 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $11,750 |
| Median federal debt (graduates only) | $15,954 |
| Typical 10-year monthly payment (graduates) | $169.14/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
Looking only at the median can be misleading because it hides the spread. The four reference points below map the debt distribution at SWOSU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,573 |
| 25th percentile | $4,650 |
| 75th percentile | $18,300 |
| 90th percentile (highest-debt students) | $28,460 |
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 | $12,000 |
| Middle income | $11,000 |
| High income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $11,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,813 |
| Independent students | $12,827 |
These indicators are derived from the underlying debt data and summarize the overall picture at SWOSU.
Most undergraduate borrowing runs through the federal Stafford loan program. The aggregate figures below show how active the program is at SWOSU:
| Metric | Value |
|---|---|
| Stafford loan recipients | 16036 |
| Total Stafford loan amount | $295,759,547 |
Military-affiliated students can tap the Post-9/11 GI Bill and DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 65 |
| Total GI Bill amount | $388,559 |
| Average GI Bill amount per recipient | $5,978 |
References
More about our data sources and methodologies.