by our College Data Analytics TeamThis overview lays out the cost of attending University of West Florida, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
If you want to dig into a particular figure, jump to any section below:
The full cost of attending University of West Florida spanned $18,504.00 ranging to $31,385.00 depending on residency and living arrangement.
In-state students paid the lower published figure, while out-of-state students faced the higher one: roughly $18,504.00 in-state versus $31,385.00 out-of-state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $6,360.00 |
| + Room, board & other expenses | $12,144.00 |
| Total cost | $18,504.00 |
| That is 4% below the national average net price. |
| Total cost | $18,504.00 |
| − Grants and scholarships | −$10,583.00 |
| Net price | $7,921.00 |
| That is 59% below the national average net price. |
| Total cost | $18,504.00 |
| − Grants and scholarships | −$15,132.00 |
| Net price | $3,372.00 |
| That is 82% below the national average net price. |
| Tuition and fees | $19,241.00 |
| + Room, board & other expenses | $12,144.00 |
| Total cost | $31,385.00 |
| That is 63% above the national average net price. |
| Total cost | $31,385.00 |
| − Grants and scholarships | −$10,583.00 |
| Net price | $20,802.00 |
| That is 8% above the national average net price. |
| Total cost | $31,385.00 |
| − Grants and scholarships | −$15,132.00 |
| Net price | $16,253.00 |
| That is 16% below the national average net price. | |
| For the full breakdown, see the tuition & fees page and room and board. |
The tables below project a full degree at the current published cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $3,372.00 | $7,921.00 | $18,504.00 |
| Senior year | $3,372.00 | $7,921.00 | $18,504.00 |
| Total 4-year net price | $13,488.00 | $31,684.00 | $74,016.00 |
| 10-year loan interest @ 6.8% | $5,138.00 | $12,070.00 | $28,197.00 |
| Total monthly payment | $155.00 | $365.00 | $852.00 |
| Total amount paid | $18,626.00 | $43,754.00 | $102,213.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $3,372.00 | $7,921.00 | $18,504.00 |
| Senior year | $3,372.00 | $7,921.00 | $18,504.00 |
| Total 2-year net price | $6,744.00 | $15,842.00 | $37,008.00 |
| 10-year loan interest @ 6.8% | $2,569.00 | $6,035.00 | $14,099.00 |
| Total monthly payment | $78.00 | $182.00 | $426.00 |
| Total amount paid | $9,313.00 | $21,877.00 | $51,107.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $16,253.00 | $20,802.00 | $31,385.00 |
| Senior year | $16,253.00 | $20,802.00 | $31,385.00 |
| Total 4-year net price | $65,012.00 | $83,208.00 | $125,540.00 |
| 10-year loan interest @ 6.8% | $24,767.00 | $31,699.00 | $47,826.00 |
| Total monthly payment | $748.00 | $958.00 | $1,445.00 |
| Total amount paid | $89,779.00 | $114,907.00 | $173,366.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $16,253.00 | $20,802.00 | $31,385.00 |
| Senior year | $16,253.00 | $20,802.00 | $31,385.00 |
| Total 2-year net price | $32,506.00 | $41,604.00 | $62,770.00 |
| 10-year loan interest @ 6.8% | $12,384.00 | $15,850.00 | $23,913.00 |
| Total monthly payment | $374.00 | $479.00 | $722.00 |
| Total amount paid | $44,890.00 | $57,454.00 | $86,683.00 |
| For the complete net-price picture, see 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) | $9,364.00 |
| Average net price (off-campus) | $8,155.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $3,367.00 |
| $30,000 to $48,000 | $5,208.00 |
| $48,001 to $75,000 | $8,264.00 |
| $75,001 to $110,000 | $13,090.00 |
| Over $110,000 | $15,446.00 |
Estimate your specific net price using the school’s University of West Florida Net Price Calculator, or get in touch with the financial aid office.
Dig into how aid is awarded on the financial aid page.
Typical debt at graduation from University of West Florida amounts to $13,000.00, which the Department of Education classifies as a Low ($10-20k) burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $5,500.00 |
| Median (50th) | $13,000.00 |
| 75th | $23,500.00 |
| 90th | $31,921.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
For the full borrowing and repayment picture, see the student loan debt detail.
Median debt at graduation differs meaningfully across income brackets. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $13,750.00 |
| Middle income | $13,000.00 |
| High income | $12,618.00 |
Low-income borrowers graduate with $1,132.00 more debt than high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,115.00 |
| Continuing-generation students | $12,625.00 |
First-generation graduates from University of West Florida leave with $490.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell vs non-Pell debt gap at University of West Florida works out to $3,475.00. This school carries a federal Pell-debt-inequity flag.
The default-rate classification at University of West Florida is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.6% |
For a sense of scale, Stafford disbursements at University of West Florida reach $686,017,612.00 over 33,644 student borrowers.
Veteran and active-military students often access dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 25 |
| Avg GI Bill amount | $2,856.00 |
| DoD Tuition Assistance recipients | 260 |
| Avg DoD Tuition Assistance | $3,127.00 |
Explore GI Bill and military aid in detail on the college veterans page.
Beyond the data above, it helps to ask a few questions when weighing University of West Florida, the questions below are worth your time:
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.