University of Central Florida's published cost of attendance is $23,133, but need-based aid reshapes what families actually pay. Low-income families see a net price of approximately $5,816, middle-income families pay around $10,128, and higher-income families pay approximately $17,681.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $23,133 |
| Tuition and Fees | $22,467 |
| Room and Board | $12,452 |
| Books and Supplies | $1,200 |
| Average Financial Aid (Grants and Scholarships) | -$12,722 |
| Average Net Price (What Families Pay) | $10,411 |
| Family Income | Net Price |
|---|---|
| $0–30k | $5,816 |
| $30–48k | $7,174 |
| $48–75k | $10,128 |
| $75–110k | $14,902 |
| $110k+ | $17,681 |
University of Central Florida's published cost of attendance is $23,133, but need-based aid reshapes what families actually pay. Low-income families see a net price of approximately $5,816, middle-income families pay around $10,128, and higher-income families pay approximately $17,681. Azimuth ranks University of Central Florida #116 for post-graduation affordability among nonprofit four-year institutions. Net prices by income band are medians within those bands; individual aid packages vary, so some families in each band pay more and some less than the figures shown. UCF participates in federal, state, and institutional aid programs, and Florida's Bright Futures Scholarship Program provides meaningful additional support for qualifying in-state students. The gap between sticker price and net price is real — families who engage the financial aid process early often find that the published cost overstates what they will pay. Aid eligibility is determined through the FAFSA, and UCF's broad enrollment base means the university processes a high volume of need-based and merit-based awards each year. Median federal student loan debt at graduation is $18,190, and families using Parent PLUS borrow a median of $16,036; private or institutional loans may add further borrowing that falls outside these federal-only figures — see the for how household context shapes PLUS decisions. For a graduate at University of Central Florida's median four-year earnings of $61,355, median federal debt of $18,190 projects to a monthly payment of about $206 under standard ten-year repayment. For personalized projections across earnings scenarios — including Parent PLUS planning — use .
How much students borrow and whether debt is manageable given outcomes.
Debt-to-earnings data not available.
How cost compares to graduate earnings and value added.
Graduates of University of Central Florida earn median earnings of $61,355 four years after enrollment, placing University of Central Florida in the 51.6 percentile for median earnings four years after enrollment among nonprofit four-year institutions. That figure sits below the $65,228 median at comparable institutions (same control and size band). Graduates earn about $6,881 less than similar students at comparable institutions, placing the institution in the 29.6 percentile for earnings beyond expectations among nonprofit four-year institutions. Those figures represent lifetime returns relative to FL's no-degree-equivalent earnings baseline of $31,626, the state median earnings of working adults age 25–34 with only a high school credential. Azimuth ranks University of Central Florida #928 for return on investment among nonprofit four-year institutions. University of Central Florida's degree output is anchored in Business, which accounts for 17% of graduates, followed by Engineering at 9% and Arts at 7%. Artificial Intelligence combines large cohort scale with solid earnings, making it a key contributor to the university's overall return profile. Azimuth ranks Psychology, General #75 for median earnings four years after enrollment among nonprofit four-year institutions , with 1,456 graduates earning median earnings of $49,760. The Health Services/Allied Health/Health Sciences, General program graduates 887 students with median earnings of $56,148, and Azimuth ranks Biology, General #140 for median earnings four years after enrollment among nonprofit four-year institutions, with graduates earning $51,313. Nursing and Artificial Intelligence round out the top programs, with 773 and 765 graduates respectively and four-year median earnings of $83,737 and $98,526.
