Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • Edmond, OK & Toledo, OH
When students choose between University of Toledo and University of Central Oklahoma, they're comparing two large public universities with similar missions but dramatically different completion rates. Both offer broad access to students across diverse backgrounds, with net prices around $17,000-19,000 per year.
But the stark difference in graduation rates — 56% versus 38% — reveals which institution better supports students through to degree completion.
Median Student Debt at Graduation
$21,000
federal loans
$22,250
federal loans
Median Parent PLUS Loans
$15,191
borrowed by parents
$19,243
borrowed by parents
Both schools are business-focused, with Toledo concentrating 26% of graduates in business fields and Central Oklahoma at 19%. Toledo's program mix includes significant engineering strength (16% of graduates), with top programs in Marketing (286 graduates), Business Administration (241), and Nursing (231).
Central Oklahoma emphasizes Liberal Arts and General Studies (207 graduates), Business Administration (157), and Security Science (148). Toledo's stronger technical program offerings align with its higher earnings outcomes for completers.
For students prioritizing degree completion and career outcomes, Toledo delivers both higher graduation rates and stronger earnings for completers. Central Oklahoma offers slightly lower costs and may appeal to students drawn to its Liberal Arts emphasis or Oklahoma location, but the 38% completion rate presents significant completion risk.
The data points to Toledo as the stronger choice — students are more likely to graduate and typically earn more when they do. The right choice depends on your academic preparation, support needs, and tolerance for completion risk, but Toledo's track record suggests better odds of degree completion and career success.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
