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 is well below typical first-year earnings — generally considered very manageable.
How cost compares to graduate earnings and value added.
Graduates of University of Central Florida earn median 4-year earnings of $61,355, placing University of Central Florida in the 51.6 percentile for median earnings four years after enrollment among nonprofit four-year institutions. 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. Azimuth ranks University of Central Florida #928 for return on investment among nonprofit four-year institutions. Program outcomes vary by major. Psychology, General reports 1456 graduates and median 4-year earnings of $49,760, ranked #117 nationally in its major. Health Services/Allied Health/Health Sciences, General reports 887 graduates and median 4-year earnings of $56,148, ranked #31 nationally in its major. Biology, General reports 827 graduates and median 4-year earnings of $51,313, ranked #227 nationally in its major. Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing reports 773 graduates and median 4-year earnings of $83,737, ranked #134 nationally in its major.
