Cost & financial aid brief
SUNY Old Westbury Tuition, Costs & Financial Aid
How much does SUNY Old Westbury cost after financial aid?
Aid removes nearly half of the published cost for the average recipient at SUNY Old Westbury. Aid covers about 47% of the published cost for the average aid recipient.
The published cost of $21,287 (an average across living arrangements) compares with an average net price of $11,282, a sticker-to-net difference of $10,005. Pricing also differs across family-income bands: the lowest band averages $6,645, compared with $20,426 in the highest band, with the middle bands falling between those amounts.
That pattern shows lower average net prices for lower-income aid recipients, rather than a promise about any individual aid package. The sticker-to-net gap and the income pattern both indicate that aid is more concentrated at lower income levels.
For aid recipients, SUNY Old Westbury has a published cost of attendance of $21,287 (an average), but the amount left after grants and scholarships varies by family-income band. Average net price, what aid recipients pay after grants and scholarships, is $6,645 in the lowest family-income band; $9,114 in the lower-middle band; $13,852 in the middle band; $15,712 in the upper-middle band; and $20,426 in the highest band.
The spread between the lowest and highest bands is $13,781. Azimuth ranks the university #90 for affordability among nonprofit four-year institutions.
For the average aid recipient, $10,005 in aid savings means aid covers about 47% of the published cost, leaving an average net price of $11,282 across all aid recipients. That average is $2,786 below the peer median net price of $14,068 for comparable institutions (same type and size).
Published in-state tuition is $8,422, and out-of-state tuition is $18,842. The aid offset and lower peer comparison point toward a lower average price for aid recipients.
Among borrowers who completed, median federal student loan debt at completion is $14,997, and 62.7% of federal aid recipients borrow federal loans. The median is $6,232 below the $21,229 peer median for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $170 a month if repaid over ten years. Median Parent PLUS borrowing is $16,500.
Student loans: what does repayment look like?
Federal borrowing is used by 62.7% of federal aid recipients at SUNY Old Westbury, and completers who borrowed tend to leave with less debt than peers. Median federal student loan debt at completion is $14,997, excluding Parent PLUS and private loans.
At comparable institutions (same type and size), the peer median is $21,229; SUNY Old Westbury's median is $6,232 below that figure. For the separate parent-borrower population, median Parent PLUS borrowing is $16,500.
At SUNY Old Westbury, lower borrowing sits alongside earnings that place near the middle of the national distribution. Median earnings are $58,756 four years after completion, which sits in Azimuth’s 46th percentile among nonprofit four-year institutions.
Earnings beyond expectations, the gap between what graduates earn and what expects for similar students, offer a more favorable model-based measure. Graduates earn about $1,939 more than the model expects for similar students.
Azimuth places that measure in the 62nd percentile among nonprofit four-year institutions. The earnings scenarios range from $48,859 in a downside case to $71,512 in an upside case, with $58,756 as the typical scenario.
Median federal debt of $14,997 is $6,232 below the $21,229 peer median for comparable institutions (same type and size). That debt corresponds to an estimated payment of $170 a month if repaid over ten years. Lower debt and above-expected earnings point in the same direction.
For the separate population of parent borrowers, median Parent PLUS borrowing is $16,500. The median federal debt corresponds to an estimated payment of $170 a month if repaid over ten years.
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
- $16,500
- Estimated parent payment
- $210/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Safe |
| $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
- $14,997
- Institution Parent PLUS debt
- $16,500
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $170/mo
- Estimated Parent PLUS payment · monthly
- $210/mo
- Modeled student + parent payments
- $380/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 $58,756, with a $22,590 annual allowance for basic expenses:
5.6% 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.