SUNY Oneonta Tuition, Costs & Financial Aid

In its 2024-25 Common Data Set, the university reported that first-year aid recipients with need had an average 67% of their need met for the 2024-25 academic year. Their average need-based grant was $10,397, and their average need-based aid package was $18,750.

Of 771 first-year students determined to have need, 105 had their need fully met. For the 2024-25 academic year, 208 first-year students received average merit aid of $4,250.

The published cost of $28,821 becomes an average net price of $19,158 for aid recipients, a sticker-to-net gap of $9,663. Aid covers about 34% of the published cost for the average aid recipient.

Average net prices are lower in the lower-income bands than in the upper-income bands, a pricing pattern that places more of the aid offset at lower incomes.

The published cost of attendance at SUNY Oneonta is $28,821. For aid recipients, average net price—what families pay after grants and scholarships—runs $11,044 in the lowest family-income band, $19,189 in the middle band, and $25,382 in the highest band.

The gap from the lowest to the highest band is $14,338. Azimuth places the affordability pillar in the 65th percentile among nonprofit four-year institutions.

Aid covers about 34% of the published cost for the average aid recipient, with average financial aid savings of $9,663. Across all income bands, the average net price is $19,158.

The peer median, the middle value for comparable institutions (same type and size), is $14,068, while the university sits $5,090 above that mark. Median federal student loan debt at completion is $19,812, and 93.9% of federal aid recipients borrow federal loans.

At comparable institutions (same type and size), the median is $21,229, which puts the university $1,417 below that level. The university's median debt corresponds to an estimated payment of $225 a month if repaid over ten years.

For parent borrowers, median Parent PLUS borrowing is $24,845.

Federal borrowing reaches 93.9% of federal aid recipients at SUNY Oneonta. At completion, borrowers have median federal student loan debt of $19,812.

The median sits $1,417 below the peer median of $21,229 among comparable institutions (same type and size). For the separate population of parent borrowers, median Parent PLUS debt is $24,845.

In its 2024-25 Common Data Set, the university reported that 68% of graduates borrowed from any source, averaging $28,047 in cumulative borrowing per borrower. That includes 63% of graduates with federal loans, averaging $20,009. It also includes 5% of graduates with private loans, averaging $34,141.

The investment picture at SUNY Oneonta is mixed: earnings sit below what the model expects, but borrowing is lighter than at comparable institutions. Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $58,809.

Graduates earn about $12,103 less than the model expects for similar students, an outcome that falls at the 14th percentile. Earnings scenarios, estimated from the program mix, range from $48,048 in a downside case to $73,972 in an upside case, with $58,809 as the typical scenario.

On the borrowing side, the median federal student debt at completion is $19,812, which is $1,417 below the $21,229 median for comparable institutions (same type and size). That debt corresponds to an estimated payment of $225 a month if repaid over ten years.

The median Parent PLUS borrowing among parent borrowers is $24,845, separate from student borrower debt. For the median federal debt, that debt corresponds to an estimated payment of $225 a month if repaid over ten years.

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.