by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of Central Florida, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
Use the section links below to navigate this overview:
The total cost of attendance at University of Central Florida ranged from $22,819.00 and $38,918.00 across residency tiers.
Where you live mattered — in-state students paid less than out-of-state students: about $22,819.00 in-state against $38,918.00 for non-residents.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $6,368.00 |
| + Room, board & other expenses | $16,451.00 |
| Total cost | $22,819.00 |
| That is 19% above the national average net price. |
| Total cost | $22,819.00 |
| − Grants and scholarships | −$12,722.00 |
| Net price | $10,097.00 |
| That is 48% below the national average net price. |
| Total cost | $22,819.00 |
| − Grants and scholarships | −$17,317.00 |
| Net price | $5,502.00 |
| That is 71% below the national average net price. |
| Tuition and fees | $22,467.00 |
| + Room, board & other expenses | $16,451.00 |
| Total cost | $38,918.00 |
| That is 102% above the national average net price. |
| Total cost | $38,918.00 |
| − Grants and scholarships | −$12,722.00 |
| Net price | $26,196.00 |
| That is 36% above the national average net price. |
| Total cost | $38,918.00 |
| − Grants and scholarships | −$17,317.00 |
| Net price | $21,601.00 |
| That is 12% above the national average net price. | |
| Explore each piece on tuition and fees and living costs. |
The tables below project a full degree at the current published cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,502.00 | $10,097.00 | $22,819.00 |
| Senior year | $5,502.00 | $10,097.00 | $22,819.00 |
| Total 4-year net price | $22,008.00 | $40,388.00 | $91,276.00 |
| 10-year loan interest @ 6.8% | $8,384.00 | $15,386.00 | $34,773.00 |
| Total monthly payment | $253.00 | $465.00 | $1,050.00 |
| Total amount paid | $30,392.00 | $55,774.00 | $126,049.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,502.00 | $10,097.00 | $22,819.00 |
| Senior year | $5,502.00 | $10,097.00 | $22,819.00 |
| Total 2-year net price | $11,004.00 | $20,194.00 | $45,638.00 |
| 10-year loan interest @ 6.8% | $4,192.00 | $7,693.00 | $17,386.00 |
| Total monthly payment | $127.00 | $232.00 | $525.00 |
| Total amount paid | $15,196.00 | $27,887.00 | $63,024.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $21,601.00 | $26,196.00 | $38,918.00 |
| Senior year | $21,601.00 | $26,196.00 | $38,918.00 |
| Total 4-year net price | $86,404.00 | $104,784.00 | $155,672.00 |
| 10-year loan interest @ 6.8% | $32,917.00 | $39,919.00 | $59,305.00 |
| Total monthly payment | $994.00 | $1,206.00 | $1,791.00 |
| Total amount paid | $119,321.00 | $144,703.00 | $214,977.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $21,601.00 | $26,196.00 | $38,918.00 |
| Senior year | $21,601.00 | $26,196.00 | $38,918.00 |
| Total 2-year net price | $43,202.00 | $52,392.00 | $77,836.00 |
| 10-year loan interest @ 6.8% | $16,458.00 | $19,959.00 | $29,653.00 |
| Total monthly payment | $497.00 | $603.00 | $896.00 |
| Total amount paid | $59,660.00 | $72,351.00 | $107,489.00 |
| For the complete net-price picture, see the net price section below. |
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $10,411.00 |
| Average net price (off-campus) | $10,650.00 |
The real cost varies by income because need-based aid scales with financial need. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $6,170.00 |
| $30,000 to $48,000 | $7,610.00 |
| $48,001 to $75,000 | $10,684.00 |
| $75,001 to $110,000 | $15,473.00 |
| Over $110,000 | $17,821.00 |
For a personalized estimate, try the University of Central Florida Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Median graduate debt at University of Central Florida comes to $15,000.00, placing the school in the Low ($10-20k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $6,250.00 |
| Median (50th) | $15,000.00 |
| 75th | $25,000.00 |
| 90th | $32,475.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,000.00 |
| Middle income | $14,201.00 |
| High income | $15,745.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,000.00 |
| Continuing-generation students | $15,000.00 |
The Pell Grant is the main federal need-based award for undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The median debt difference between Pell-eligible and non-Pell graduates of University of Central Florida amounts to $1,255.00. This institution is flagged by federal data for Pell-debt inequity.
The federal default-rate classification for University of Central Florida is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.0% |
For context on the loan portfolio, Stafford disbursements at University of Central Florida come to $3,150,072,500.00 across 139,651 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 1,123 |
| Avg GI Bill amount | $5,086.00 |
| DoD Tuition Assistance recipients | 179 |
| Avg DoD Tuition Assistance | $2,888.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Use the figures above as a launch point, then think through University of Central Florida, consider the following:
Dig further into the cost picture with the related pages 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.