by our College Data Analytics TeamThis overview lays out the cost of attending SUNY Oneonta, 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.
If you want to dig into a particular figure, jump to any section below:
Published attendance costs at SUNY Oneonta ranged from $27,258.00 to $38,208.00 depending on whether you qualify for in-state rates.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: near $27,258.00 in-state versus $38,208.00 for out-of-state students.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $8,831.00 |
| + Room, board & other expenses | $18,427.00 |
| Total cost | $27,258.00 |
| That is 42% above the national average net price. |
| Total cost | $27,258.00 |
| − Grants and scholarships | −$9,663.00 |
| Net price | $17,595.00 |
| That is 9% below the national average net price. |
| Total cost | $27,258.00 |
| − Grants and scholarships | −$17,777.00 |
| Net price | $9,481.00 |
| That is 51% below the national average net price. |
| Tuition and fees | $19,781.00 |
| + Room, board & other expenses | $18,427.00 |
| Total cost | $38,208.00 |
| That is 98% above the national average net price. |
| Total cost | $38,208.00 |
| − Grants and scholarships | −$9,663.00 |
| Net price | $28,545.00 |
| That is 48% above the national average net price. |
| Total cost | $38,208.00 |
| − Grants and scholarships | −$17,777.00 |
| Net price | $20,431.00 |
| That is 6% above the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page plus living costs. |
Cost of attendance here has been rising by around 1.9% a year, so a full degree will cost more than a single year — the tables below carry that forward. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and 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 | 1.9% | 1.9% | 1.9% |
| Freshman year | $9,662.00 | $17,931.00 | $27,778.00 |
| Senior year | $10,225.00 | $18,977.00 | $29,398.00 |
| Total 4-year net price | $39,768.00 | $73,801.00 | $114,332.00 |
| 10-year loan interest @ 6.8% | $15,150.00 | $28,116.00 | $43,556.00 |
| Total monthly payment | $458.00 | $849.00 | $1,316.00 |
| Total amount paid | $54,918.00 | $101,917.00 | $157,889.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.9% | 1.9% | 1.9% |
| Freshman year | $9,662.00 | $17,931.00 | $27,778.00 |
| Senior year | $9,846.00 | $18,273.00 | $28,308.00 |
| Total 2-year net price | $19,508.00 | $36,203.00 | $56,086.00 |
| 10-year loan interest @ 6.8% | $7,432.00 | $13,792.00 | $21,367.00 |
| Total monthly payment | $224.00 | $417.00 | $645.00 |
| Total amount paid | $26,940.00 | $49,996.00 | $77,453.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.9% | 1.9% | 1.9% |
| Freshman year | $20,821.00 | $29,090.00 | $38,937.00 |
| Senior year | $22,035.00 | $30,786.00 | $41,208.00 |
| Total 4-year net price | $85,697.00 | $119,731.00 | $160,262.00 |
| 10-year loan interest @ 6.8% | $32,647.00 | $45,613.00 | $61,054.00 |
| Total monthly payment | $986.00 | $1,378.00 | $1,844.00 |
| Total amount paid | $118,344.00 | $165,344.00 | $221,315.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.9% | 1.9% | 1.9% |
| Freshman year | $20,821.00 | $29,090.00 | $38,937.00 |
| Senior year | $21,218.00 | $29,645.00 | $39,680.00 |
| Total 2-year net price | $42,039.00 | $58,734.00 | $78,617.00 |
| 10-year loan interest @ 6.8% | $16,015.00 | $22,376.00 | $29,950.00 |
| Total monthly payment | $484.00 | $676.00 | $905.00 |
| Total amount paid | $58,054.00 | $81,110.00 | $108,567.00 |
Read more 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. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $19,158.00 |
| Average net price (off-campus) | $18,833.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $11,716.00 |
| $30,000 to $48,000 | $15,318.00 |
| $48,001 to $75,000 | $17,775.00 |
| $75,001 to $110,000 | $19,935.00 |
| Over $110,000 | $24,749.00 |
For a personalized estimate, try the SUNY Oneonta Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
Median graduate debt at SUNY Oneonta comes to $15,000.00, landing it in the Low ($10-20k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $9,000.00 |
| Median (50th) | $15,000.00 |
| 75th | $26,774.00 |
| 90th | $30,750.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student loan debt page.
Debt at graduation is far from uniform across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,000.00 |
| Middle income | $15,468.00 |
| High income | $15,000.00 |
Graduates from lower-income families carry $1,000.00 in additional median debt versus high-income graduates.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,750.00 |
| Continuing-generation students | $14,084.00 |
First-gen students at SUNY Oneonta hold $1,666.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The Pell-versus-non-Pell median debt difference at SUNY Oneonta comes to $2,641.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate classification at SUNY Oneonta is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.2% |
For a sense of scale, Stafford disbursements at SUNY Oneonta come to $352,974,100.00 distributed across 23,135 student borrowers.
Veteran and active-military students often access dedicated federal aid programs including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 13 |
| Avg GI Bill amount | $5,349.00 |
| DoD Tuition Assistance recipients | 1 |
| Avg DoD Tuition Assistance | $3,750.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh SUNY Oneonta, think through the questions below:
For a closer look at any of these topics, follow the links below:
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.