by our College Data Analytics TeamA lot of students will never be charged 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 sum total of attendance at University of Central Florida can sound tremendous, but do not forget that almost all students get some type of financial help.
Just what financing solutions does UCF deliver, and just what are you going to be eligible for? Keep scrolling for answers. Keep going to learn just how much financial aid will be open to you.
How much aid you qualify for depends largely on your family’s financial circumstances. The figures below will help you estimate the aid you might receive from University of Central Florida.
Through a mix of loans, grants, work-study and scholarships, schools bring down the effective cost so more students can attend. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
At University of Central Florida, 92% of the incoming full-time class was awarded financial aid roughly 6612 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 86% | $9,704 |
| Institutional grants & scholarships | 42% | $2,553 |
| Federal Pell grants | 25% | $6,745 |
| State/local grants | 82% | $6,560 |
| Federal student loans | 17% | $5,517 |
Because grants and scholarships do not have to be repaid, they are the most sought-after type of financial aid. At UCF, some 69% of undergraduates were awarded an average grant or scholarship of $8,098 (for some 41221 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 69% | $8,098 |
| Federal Pell grants | 32% | $5,622 |
| Federal student loans | 23% | $6,814 |
For on-campus title-IV students, average grant aid came to $12,722.
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 | $6,752 |
| $30,001 – $75,000 | $9,142 |
| Over $75,000 | $16,909 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
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 | $10,411 |
| Off-campus title-IV students | $10,650 |
To project your own net price, use UCF’s online cost calculator: finaid.ucf.edu/net-price-calculator/.
The middle student in the debt distribution at UCF owes $15,000 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $15,000 |
| Median federal debt (graduates only) | $18,190 |
| Typical 10-year monthly payment (graduates) | $192.84/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
A single median figure conceals how much debt outcomes differ student to student. The figures below chart the debt distribution at UCF.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $6,250 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $32,475 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $14,201 |
| High income | $15,745 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,750 |
| Independent students | $16,500 |
A handful of calculated indicators summarize the debt outlook at UCF.
Stafford loans are the federal government’s primary direct undergraduate lending program. These figures summarize annual Stafford program activity at UCF:
| Metric | Value |
|---|---|
| Stafford loan recipients | 139651 |
| Total Stafford loan amount | $3,150,072,500 |
If you are a veteran or active-duty service member, the GI Bill and DoD Tuition Assistance are the primary federal programs you can use at this school.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 1123 |
| Total GI Bill amount | $5,711,953 |
| Average GI Bill amount per recipient | $5,086 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 179 |
| Total DoD amount | $516,973 |
| Average DoD amount per recipient | $2,888 |
References
More about our data sources and methodologies.