by our College Data Analytics TeamHere’s the full picture on paying for University of Central Oklahoma, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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The full cost of attending University of Central Oklahoma ranged from $25,913.00 and up to $36,799.00 depending on whether you qualify for in-state rates.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: roughly $25,913.00 in-state against $36,799.00 for those paying out-of-state rates.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $8,818.00 |
| + Room, board & other expenses | $17,095.00 |
| Total cost | $25,913.00 |
| That is 35% above the national average net price. |
| Total cost | $25,913.00 |
| − Grants and scholarships | −$8,083.00 |
| Net price | $17,830.00 |
| That is 7% below the national average net price. |
| Total cost | $25,913.00 |
| − Grants and scholarships | −$11,117.00 |
| Net price | $14,796.00 |
| That is 23% below the national average net price. |
| Tuition and fees | $19,704.00 |
| + Room, board & other expenses | $17,095.00 |
| Total cost | $36,799.00 |
| That is 91% above the national average net price. |
| Total cost | $36,799.00 |
| − Grants and scholarships | −$8,083.00 |
| Net price | $28,716.00 |
| That is 49% above the national average net price. |
| Total cost | $36,799.00 |
| − Grants and scholarships | −$11,117.00 |
| Net price | $25,682.00 |
| That is 33% above the national average net price. | |
| For the full breakdown, see the tuition & fees page plus room and board. |
Cost of attendance here has been rising at about 1.4% per year, so the four-year total runs well above today’s cost. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. 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 | 1.4% | 1.4% | 1.4% |
| Freshman year | $14,998.00 | $18,074.00 | $26,268.00 |
| Senior year | $15,623.00 | $18,826.00 | $27,361.00 |
| Total 4-year net price | $61,236.00 | $73,793.00 | $107,246.00 |
| 10-year loan interest @ 6.8% | $23,329.00 | $28,112.00 | $40,857.00 |
| Total monthly payment | $705.00 | $849.00 | $1,234.00 |
| Total amount paid | $84,565.00 | $101,906.00 | $148,103.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.4% | 1.4% | 1.4% |
| Freshman year | $14,998.00 | $18,074.00 | $26,268.00 |
| Senior year | $15,204.00 | $18,321.00 | $26,627.00 |
| Total 2-year net price | $30,202.00 | $36,395.00 | $52,894.00 |
| 10-year loan interest @ 6.8% | $11,506.00 | $13,865.00 | $20,151.00 |
| Total monthly payment | $348.00 | $419.00 | $609.00 |
| Total amount paid | $41,708.00 | $50,260.00 | $73,045.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.4% | 1.4% | 1.4% |
| Freshman year | $26,033.00 | $29,109.00 | $37,302.00 |
| Senior year | $27,117.00 | $30,320.00 | $38,855.00 |
| Total 4-year net price | $106,290.00 | $118,847.00 | $152,300.00 |
| 10-year loan interest @ 6.8% | $40,493.00 | $45,276.00 | $58,021.00 |
| Total monthly payment | $1,223.00 | $1,368.00 | $1,753.00 |
| Total amount paid | $146,783.00 | $164,123.00 | $210,321.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.4% | 1.4% | 1.4% |
| Freshman year | $26,033.00 | $29,109.00 | $37,302.00 |
| Senior year | $26,390.00 | $29,507.00 | $37,813.00 |
| Total 2-year net price | $52,423.00 | $58,616.00 | $75,115.00 |
| 10-year loan interest @ 6.8% | $19,971.00 | $22,331.00 | $28,616.00 |
| Total monthly payment | $603.00 | $675.00 | $864.00 |
| Total amount paid | $72,394.00 | $80,947.00 | $103,732.00 |
See the full net-price breakdown in the net price section below.
Net price strips out grant and scholarship aid to show what families really pay. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $18,309.00 |
| Average net price (off-campus) | $18,990.00 |
The real cost varies by income because need-based aid scales with financial need. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $16,012.00 |
| $30,000 to $48,000 | $16,695.00 |
| $48,001 to $75,000 | $20,039.00 |
| $75,001 to $110,000 | $23,781.00 |
| Over $110,000 | $24,282.00 |
Run your own numbers with the University of Central Oklahoma Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
Typical debt at graduation from University of Central Oklahoma comes to $13,000.00, which federal data classifies as a Low ($10-20k) debt-burden bucket.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $13,000.00 |
| 75th | $24,750.00 |
| 90th | $36,949.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,000.00 |
| Middle income | $12,500.00 |
| High income | $13,000.00 |
On average, low-income graduates leave with $1,000.00 in extra median debt compared with high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,000.00 |
| Continuing-generation students | $13,195.00 |
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 median debt gap between Pell and non-Pell graduates of University of Central Oklahoma amounts to $4,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate classification for University of Central Oklahoma is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 9.0% |
For scale, federal Stafford loan disbursements at University of Central Oklahoma total $936,040,264.00 across 45,517 recipients.
Veteran and active-military students often access dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 221 |
| Avg GI Bill amount | $7,131.00 |
| DoD Tuition Assistance recipients | 17 |
| Avg DoD Tuition Assistance | $3,677.00 |
Dig into veteran education benefits on the college veterans page.
Use the figures above as a launch point, then think through University of Central Oklahoma, think through the questions below:
Each page below covers one part of paying for college in more detail:
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.