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Cost & financial aid brief

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# SUNY Old Westbury Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/suny-old-westbury/)Cost & aid[Outcomes](/school/suny-old-westbury/outcomes/)[Admissions](/school/suny-old-westbury/admissions/)[Majors](/school/suny-old-westbury/majors/)[Similar schools](/school/suny-old-westbury/similar/)

**On this page**+

## How much does SUNY Old Westbury cost after financial aid?

Affordability is a clear strength for families considering SUNY Old Westbury, where the published cost of attendance is $21,287 (an average across living arrangements). In-state tuition and fees are $8,422, room and board are $13,972, and out-of-state tuition and fees are $18,842.

For aid recipients, average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $11,282. Financial aid reduces the published cost by $10,005 on average, separating the listed bill from typical post-aid cost.

Against the peer median, the middle value for comparable institutions (same type and size), of $14,068, the average net price is $2,786 below. Azimuth ranks SUNY Old Westbury #90 for affordability among nonprofit four-year institutions.

The lower cost relative to peers and the affordability standing point in the same direction.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) at SUNY Old Westbury is $11,282, $2,786 below the median of $14,068 at comparable institutions (same type and size). After grants and scholarships, the lowest income band averages $6,645, while the highest averages $20,426.

Completers who borrowed hold a median federal debt of $14,997, which is $6,232 below the peer median of $21,229. The affordability pillar lands at the 94th percentile among nonprofit four-year institutions.

With Pell Grants reaching 49.3% of undergraduates, the lowest listed family-income band provides important financial-access context. Across the five bands, average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $6,645 in the lowest band, $9,114 in the next band, $13,852 in the middle band, $15,712 in the next-highest band, and $20,426 in the highest band. The spread between the lowest and highest bands is $13,781.

Average net price by family income

**$0–30K**
$6,645

**$30–48K**
$9,114

**$48–75K**
$13,852

**$75–110K**
$15,712

**$110K+**
$20,426

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$11,282**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/a-value-added-approach-to-college-outcomes/), the gap between what graduates earn and what the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $16,500. The median federal debt corresponds to an estimated payment of $170 a month if repaid over ten years.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$16,500

**Estimated parent payment**
$210/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  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.

[Read the framework and its limits](/analysis/financial-gps-framework/).

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.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=suny-old-westbury#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), 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](/about/).

**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](https://collegescorecard.ed.gov/data/).

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.