by our College Data Analytics TeamA lot of students are not billed the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at State University of New York at Oswego can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
Just what financing solutions does SUNY Oswego provide, and just what are you going to be eligible for? Keep scrolling for answers. Read on to learn what amount of financial assistance will be accessible to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. Continue reading to find information to help you understand just how much assistance you can expect to receive from State University of New York at Oswego.
Aid such as grants, loans, work-study, and scholarships helps colleges decrease the real cost of attendance for most students. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
Among first-time, full-time freshmen at State University of New York at Oswego, 93% of new full-time first-years were awarded at least some aid approximately 1109 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 85% | $11,004 |
| Institutional grants & scholarships | 85% | $4,203 |
| Federal Pell grants | 45% | $5,831 |
| State/local grants | 64% | $4,724 |
| Federal student loans | 60% | $5,393 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At SUNY Oswego, around 81% of undergrads got grants or scholarships worth on average $9,900 (across roughly 4573 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 81% | $9,900 |
| Federal Pell grants | 40% | $5,803 |
| Federal student loans | 52% | $6,563 |
Title-IV recipients living on campus saw average grant aid of $10,816.
The figures below show the average net price — cost after all grant and scholarship aid — broken out by family income.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $12,064 |
| $30,001 – $75,000 | $16,003 |
| Over $75,000 | $21,571 |
Each figure is the net price after grants and scholarships, not the published sticker price.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $16,236 |
| Off-campus title-IV students | $17,231 |
To project your own net price, use SUNY Oswego’s NPC: www.oswego.edu/financial-aid/net-price-calculator.
Graduating students at SUNY Oswego carry a median federal student debt of $15,750 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $15,750 |
| Median federal debt (graduates only) | $20,880 |
| Typical 10-year monthly payment (graduates) | $221.36/mo |
That monthly figure reflects the median graduate debt repaid on a standard 10-year federal schedule.
A single median figure conceals how much debt outcomes differ student to student. Use the percentiles below to see the debt range at SUNY Oswego.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,659 |
| 25th percentile | $8,071 |
| 75th percentile | $26,898 |
| 90th percentile (highest-debt students) | $32,400 |
The figures below break down median federal debt by income tier, first-generation status, and dependency.
Debt by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,817 |
| Middle income | $15,000 |
| High income | $15,000 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $15,489 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,418 |
| Independent students | $18,000 |
The figure below distills the debt data into a single burden category for SUNY Oswego.
Stafford loans make up the bulk of federal direct lending to undergraduates. The annual Stafford volume below reflects program activity at SUNY Oswego:
| Metric | Value |
|---|---|
| Stafford loan recipients | 32729 |
| Total Stafford loan amount | $607,691,852 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 63 |
| Total GI Bill amount | $445,428 |
| Average GI Bill amount per recipient | $7,070 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 5 |
| Total DoD amount | $12,750 |
| Average DoD amount per recipient | $2,550 |
References
More about our data sources and methodologies.