by our College Data Analytics TeamMost students will never be charged the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The sum total of attendance at University of Oregon can sound overwhelming, but bear in mind that many students get some type of financial aid.
What financial aid options can UO offer you, and what will you qualify for? Keep reading for more information. Keep scrolling to find out how much school funding will be available to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The information provided on this page can help you determine how much aid you may receive from University of Oregon.
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.
Among first-time, full-time freshmen at University of Oregon, 90% of first-year full-time students received aid of some kind roughly 4459 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 84% | $9,560 |
| Institutional grants & scholarships | 79% | $7,119 |
| Federal Pell grants | 23% | $5,735 |
| State/local grants | 16% | $6,272 |
| Federal student loans | 33% | $5,166 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. Across the undergraduate body at UO, some 70% of undergraduate students received gift aid averaging $10,305 (covering around 14030 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 70% | $10,305 |
| Federal Pell grants | 21% | $5,768 |
| Federal student loans | 29% | $6,351 |
On-campus students receiving title-IV aid were awarded grants averaging $12,611.
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 | $16,304 |
| $30,001 – $75,000 | $18,105 |
| Over $75,000 | $28,310 |
The numbers above are post-aid net prices, so they already account for grants and scholarships.
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 | $22,182 |
| Off-campus title-IV students | $21,782 |
For a personalized estimate based on your family’s financial situation, use UO’s official net price calculator: financialaid.uoregon.edu/net_price_calculator.
A typical borrower at UO leaves with $15,000 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $15,000 |
| Median federal debt (graduates only) | $20,139 |
| Typical 10-year monthly payment (graduates) | $213.51/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
The numbers below show the full range, not just the middle of the distribution. These percentiles trace how cumulative federal debt is spread among borrowers at UO.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $6,870 |
| 75th percentile | $25,914 |
| 90th percentile (highest-debt students) | $31,000 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,822 |
| Middle income | $15,000 |
| High income | $14,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,769 |
| Continuing-generation students | $13,666 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,167 |
| Independent students | $20,333 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. UO.
The Stafford program is the federal direct-loan vehicle most undergraduates use. The totals below capture Stafford lending at UO:
| Metric | Value |
|---|---|
| Stafford loan recipients | 57261 |
| Total Stafford loan amount | $1,276,752,735 |
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 | 364 |
| Total GI Bill amount | $3,829,112 |
| Average GI Bill amount per recipient | $10,520 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 32 |
| Total DoD amount | $99,045 |
| Average DoD amount per recipient | $3,095 |
References
More about our data sources and methodologies.