Cost & financial aid brief
State University of New York at Oswego Tuition, Costs & Financial Aid
How much does SUNY Oswego cost after financial aid?
Aid covers about 40% of the published cost for the average aid recipient, an offset of $10,816 against the sticker price. The average net price across all aid recipients is $16,236.
Across income bands, the average net price starts at $8,714 for families earning under $30,000 and reaches $23,087 for families earning over $110,000. The spread between the lowest and highest bands is $14,373, a difference of averages that shows aid is concentrated on families with lower incomes.
The lowest-band average sits well below the overall average, a pattern that coincides with the largest discounts flowing to the lowest-income families. The university's affordability rank of #383 among nonprofit four-year institutions reflects this structure: the sticker-to-net gap is substantial, but the average net price still runs above the peer median.
At State University of New York at Oswego, the published cost of attendance is $27,052, with in-state tuition and fees of $8,825 and room and board at $16,290. For families earning under $30,000, the average net price—what aid recipients pay after grants and scholarships—is $8,714.
For the middle band ($48,001–$75,000) it is $17,412, and for families earning over $110,000 it is $23,087. The spread between the lowest and highest bands is $14,373, a difference of averages that reflects the university's progressive aid structure.
Azimuth ranks State University of New York at Oswego #383 for affordability among nonprofit four-year institutions. Aid covers about 40% of the published cost for the average aid recipient, a savings of $10,816 against the sticker price.
The average net price across all aid recipients is $16,236, which sits above the peer median of $14,068 for comparable institutions (same type and size) by $2,168. Out-of-state students face a higher published tuition of $18,735, though their net price will depend on individual aid eligibility.
Graduates who borrow federal loans leave with a median federal student debt of $20,880; 91.3% of federal aid recipients take federal loans. That median is below the peer median of $21,229 by $349.
For a graduate at the median four-year earnings, that debt corresponds to an estimated payment of $237 a month if repaid over ten years. Parents who borrow through Parent PLUS carry a separate median of $19,416.
Student loans: what does repayment look like?
Borrowing is widespread at State University of New York at Oswego—91.3% of federal aid recipients take federal loans—but the amounts completers carry are moderate. The median federal student debt at completion is $20,880.
That median sits below the $21,229 median for comparable institutions (same type and size) by $349. Parent borrowers, a separate population, carry a median Parent PLUS loan of $19,416.
The return picture at State University of New York at Oswego is mixed. Graduates earn a median of $59,955 four years after completion, which sits above the $57,301 median for comparable institutions (same type and size).
Yet they earn about $5,000 less than expects for similar students. Earnings scenarios from the university's program mix show a downside scenario of $43,103 and an upside scenario of $70,125.
The median earnings figure lands in the 51st percentile among nonprofit four-year institutions, while the earnings-beyond-expectations result falls in the 37th percentile. Borrowers finish with a median federal student debt of $20,880, which is below the $21,229 median for comparable institutions.
That debt corresponds to an estimated payment of $237 a month if repaid over ten years. The return pillar ranks #944 among nonprofit four-year institutions.
Parent PLUS loans, a separate federal borrowing population for parents, carry a median of $19,416 at State University of New York at Oswego. The estimated monthly student payment if repaid over ten years is $237.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $19,416
- Estimated parent payment
- $247/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $20,880
- Institution Parent PLUS debt
- $19,416
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $237/mo
- Estimated Parent PLUS payment · monthly
- $247/mo
- Modeled student + parent payments
- $484/mo
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $59,955, with a $22,590 annual allowance for basic expenses:
7.6% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- High risk Over 20%
How this estimate works
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.
Payment assumptions
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, founder of College Azimuth.
Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.
Figure notes link to sources and limitations. About College Azimuth.
Net price and borrowing. The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. College Scorecard data and documentation.
A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.