by our College Data Analytics TeamMost students are not billed 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 total cost of going to SUNY Oneonta can seem tremendous, but do not forget that almost all students are given some form of financial help.
What financial aid options can SUNY Oneonta offer you, and what will you qualify for? Keep reading for more information. Keep scrolling to learn how much school funding will be available 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 SUNY Oneonta.
Colleges use loans, grants, scholarships and work-study to minimize what students actually pay out of pocket. However, some types of aid are more desirable than others, and some students will receive more than others.
Looking at the entering class at SUNY Oneonta, 93% of new full-time first-years were awarded at least some aid approximately 1226 new students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 83% | $10,025 |
| Institutional grants & scholarships | 82% | $3,779 |
| Federal Pell grants | 39% | $5,646 |
| State/local grants | 59% | $4,870 |
| Federal student loans | 64% | $5,203 |
Unlike loans, grants and scholarships are gift aid that does not need to be paid back, making them the most desirable form of assistance. At this school, some 76% of undergraduates were awarded an average grant or scholarship of $9,713 (for some 3670 awardees).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 76% | $9,713 |
| Federal Pell grants | 36% | $5,641 |
| Federal student loans | 57% | $6,111 |
For students living on campus and receiving title-IV aid, grants averaged $9,663.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $12,948 |
| $30,001 – $75,000 | $16,733 |
| Over $75,000 | $23,177 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $19,158 |
| Off-campus title-IV students | $18,833 |
For a customized cost estimate, visit SUNY Oneonta’s net price tool: suny.oneonta.edu/index.php/cost-aid/suny-net-price-calculator.
The median federal debt load at SUNY Oneonta comes to $15,000 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $15,000 |
| Median federal debt (graduates only) | $19,812 |
| Typical 10-year monthly payment (graduates) | $210.04/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. Use the percentiles below to see the debt range at SUNY Oneonta.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $9,000 |
| 75th percentile | $26,774 |
| 90th percentile (highest-debt students) | $30,750 |
Outcomes differ by income bracket, by first-generation status, and by whether a student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $15,468 |
| High income | $15,000 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,750 |
| Continuing-generation students | $14,084 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $17,495 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. SUNY Oneonta.
The Stafford program is the federal direct-loan vehicle most undergraduates use. The annual Stafford volume below reflects program activity at SUNY Oneonta:
| Metric | Value |
|---|---|
| Stafford loan recipients | 23135 |
| Total Stafford loan amount | $352,974,100 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 13 |
| Total GI Bill amount | $69,531 |
| Average GI Bill amount per recipient | $5,349 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 1 |
| Total DoD amount | $3,750 |
| Average DoD amount per recipient | $3,750 |
References
More about our data sources and methodologies.