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Cost & financial aid brief

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# SUNY Oneonta Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

## How much does SUNY Oneonta cost after financial aid?

In its 2024-25 Common Data Set, SUNY Oneonta reported in-state tuition of $7,070 and required fees of $1,705 for the 2025-26 academic year. The published sticker charges list on-campus food and housing of $16,284, while out-of-state tuition is $18,020.

The published cost of attendance is $28,821. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $19,158, with financial aid offsetting $9,663 from the published cost on average.

At comparable institutions (same type and size), the peer median net price is $14,068, and the university's average is $5,090 above that mark. Azimuth places the affordability pillar in the 65th percentile among nonprofit four-year institutions. The average net price remains above the peer median.

At SUNY Oneonta, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $19,158, which puts it $5,090 above the $14,068 median for comparable institutions (same type and size). Affordability lands at the 65th percentile among nonprofit four-year institutions, according to Azimuth.

Families in the lowest band average $11,044; those in the highest band average $25,382. Borrowers who finish hold a median of $19,812 in federal student debt, putting them $1,417 below the $21,229 median at comparable institutions (same type and size).

Family income corresponds with markedly different average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s for aid recipients. The average net price is $11,044 in the lowest family-income band, $14,427 in the next band, $19,189 in the middle band, $20,552 in the next-highest band, and $25,382 in the highest band.

Pell Grants reach 36.0% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $14,338.

Average net price by family income

**$0–30K**
$11,044

**$30–48K**
$14,427

**$48–75K**
$19,189

**$75–110K**
$20,552

**$110K+**
$25,382

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$19,158**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $24,845.

## Student loans: what does repayment look like?

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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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.

[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**
$24,845

**Estimated parent payment**
$316/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## Student and parent loans: the monthly payments

Financial GPS

### What does repayment look like?

**Institution median student debt**
$19,812

**Institution Parent PLUS debt**
$24,845

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$225/mo

**Estimated Parent PLUS payment · monthly**
$316/mo

**Modeled student + parent payments**
$541/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 $58,809, with a $22,590 annual allowance for basic expenses:

**7.5%** 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-oneonta#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.