Cost Details
- In-State Tuition
- $8,522
- Out-of-State Tuition
- $19,409
- Average Net Price
- $18,990
- Students Receiving Financial Aid
- 35.5%
- Room & Board (On Campus)
- $8,886
- Room & Board (Off Campus)
- $12,564
- Books & Supplies
- $1,600
- Total Cost of Attendance
- $19,008
- Median Debt at Graduation
- $21,000
- Estimated Monthly Loan Payment
- $223/mo
- Loan Repayment Rate
- 55.0%
- Students Taking Federal Loans
- 34.8%
- Pell Grant Recipients
- 35.5%
Net Price by Family Income
Average annual net price after grants and scholarships. Source: U.S. Department of Education
| Family Income | Average Net Price |
|---|---|
| $0 – $30,000 | $16,012 |
| $30,001 – $48,000 | $16,695 |
| $48,001 – $75,000 | $20,039 |
| $75,001 – $110,000 | $23,781 |
| $110,001+ | $24,282 |
Cost Estimator
Cost Overview
Families actually pay between $16,012 and $24,282 per year depending on income, making UCO one of the more affordable options in Oklahoma. Students from families earning under $30,000 get the best financial deal at just over $16,000 annually. Over four years, total costs range from $64,000 to $97,000. Nearly 95% of students come from in-state, keeping costs manageable with the lower tuition rate.
Graduates leave with a median debt of $21,000, translating to monthly payments around $223. With median earnings of $48,351 ten years out, that payment represents about 5.5% of gross income. The 55% loan repayment rate suggests some graduates struggle financially after leaving. Only 35% of students receive any financial aid, reflecting the already low sticker price. In-state students from lower-income families get the strongest value proposition here.
Graduates leave with a median debt of $21,000, translating to monthly payments around $223. With median earnings of $48,351 ten years out, that payment represents about 5.5% of gross income. The 55% loan repayment rate suggests some graduates struggle financially after leaving. Only 35% of students receive any financial aid, reflecting the already low sticker price. In-state students from lower-income families get the strongest value proposition here.
Official Net Price Calculator
Get a personalized cost estimate from University of Central Oklahoma:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.