by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of Central Missouri, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
Want a specific number? Skip ahead to any section using the links below:
Attendance costs at University of Central Missouri varied between $22,086.00 and $30,636.00 depending on residency and living arrangement.
Where you live mattered — in-state students paid less than out-of-state students: around $22,086.00 for in-state students versus $30,636.00 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 | $10,050.00 |
| + Room, board & other expenses | $12,036.00 |
| Total cost | $22,086.00 |
| That is 15% above the national average net price. |
| Total cost | $22,086.00 |
| − Grants and scholarships | −$8,485.00 |
| Net price | $13,601.00 |
| That is 29% below the national average net price. |
| Total cost | $22,086.00 |
| − Grants and scholarships | −$11,982.00 |
| Net price | $10,104.00 |
| That is 48% below the national average net price. |
| Tuition and fees | $18,600.00 |
| + Room, board & other expenses | $12,036.00 |
| Total cost | $30,636.00 |
| That is 59% above the national average net price. |
| Total cost | $30,636.00 |
| − Grants and scholarships | −$8,485.00 |
| Net price | $22,151.00 |
| That is 15% above the national average net price. |
| Total cost | $30,636.00 |
| − Grants and scholarships | −$11,982.00 |
| Net price | $18,654.00 |
| That is 3% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page and room and board. |
The reported cost series has been increasing by roughly 3.4% a year, so a full degree will cost more than a single year — the tables below carry that forward. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $10,449.00 | $14,065.00 | $22,840.00 |
| Senior year | $11,555.00 | $15,555.00 | $25,259.00 |
| Total 4-year net price | $43,984.00 | $59,206.00 | $96,143.00 |
| 10-year loan interest @ 6.8% | $16,756.00 | $22,556.00 | $36,627.00 |
| Total monthly payment | $506.00 | $681.00 | $1,106.00 |
| Total amount paid | $60,740.00 | $81,762.00 | $132,769.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $10,449.00 | $14,065.00 | $22,840.00 |
| Senior year | $10,805.00 | $14,545.00 | $23,619.00 |
| Total 2-year net price | $21,254.00 | $28,610.00 | $46,459.00 |
| 10-year loan interest @ 6.8% | $8,097.00 | $10,899.00 | $17,699.00 |
| Total monthly payment | $245.00 | $329.00 | $535.00 |
| Total amount paid | $29,351.00 | $39,510.00 | $64,158.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $19,291.00 | $22,907.00 | $31,681.00 |
| Senior year | $21,334.00 | $25,333.00 | $35,037.00 |
| Total 4-year net price | $81,203.00 | $96,425.00 | $133,362.00 |
| 10-year loan interest @ 6.8% | $30,935.00 | $36,735.00 | $50,806.00 |
| Total monthly payment | $934.00 | $1,110.00 | $1,535.00 |
| Total amount paid | $112,138.00 | $133,160.00 | $184,167.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $19,291.00 | $22,907.00 | $31,681.00 |
| Senior year | $19,949.00 | $23,689.00 | $32,763.00 |
| Total 2-year net price | $39,239.00 | $46,596.00 | $64,444.00 |
| 10-year loan interest @ 6.8% | $14,949.00 | $17,751.00 | $24,551.00 |
| Total monthly payment | $452.00 | $536.00 | $742.00 |
| Total amount paid | $54,188.00 | $64,347.00 | $88,995.00 |
See the full net-price breakdown in the Net Price section.
Net price strips out grant and scholarship aid to show what families really pay. 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) | $14,462.00 |
| Average net price (off-campus) | $15,336.00 |
The real cost varies by income because need-based aid scales with financial need. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $11,862.00 |
| $30,000 to $48,000 | $12,458.00 |
| $48,001 to $75,000 | $14,997.00 |
| $75,001 to $110,000 | $17,915.00 |
| Over $110,000 | $18,752.00 |
Run your own numbers with the University of Central Missouri Net Price Calculator, or visit the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Median graduate debt at University of Central Missouri comes to $15,750.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $6,000.00 |
| Median (50th) | $15,750.00 |
| 75th | $26,124.00 |
| 90th | $36,034.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Dig deeper into debt on the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,508.00 |
| Middle income | $16,500.00 |
| High income | $15,500.00 |
Graduates from lower-income families carry $8.00 in additional median debt versus high-income graduates.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,750.00 |
| Continuing-generation students | $15,500.00 |
First-generation graduates of University of Central Missouri carry $250.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt difference between Pell-eligible and non-Pell graduates of University of Central Missouri is $3,600.00. Federal data flags this school for Pell-related debt inequity.
The default-rate category at University of Central Missouri is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.4% |
For scale, federal Stafford loan disbursements at University of Central Missouri amount to $825,529,059.00 across 38,751 student borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 773 |
| Avg GI Bill amount | $1,783.00 |
| DoD Tuition Assistance recipients | 729 |
| Avg DoD Tuition Assistance | $1,813.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Use the figures above as a launch point, then think through University of Central Missouri, think through the questions below:
For a closer look at any of these topics, follow the links 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.