Cost & financial aid brief

University of Oregon Tuition, Costs & Financial Aid

Updated

How much does Oregon cost after financial aid?

Aid lowers the published price at University of Oregon, but the average cost for recipients remains above that at comparable institutions. In its 2024-25 Common Data Set, the university reported in-state tuition of $13,404 and required fees of $2,733 for the 2025-26 academic year.

It reported out-of-state tuition of $41,865 and on-campus food and housing of $16,611 as sticker charges. The published cost of attendance is $34,793, and the average net price, what aid recipients pay after grants and scholarships, is $22,182, with average aid savings of $12,611.

The peer median, the middle value for comparable institutions (same type and size), is $15,634; the university is $6,548 above it. Azimuth places the affordability in the 42nd percentile among nonprofit four-year institutions.

The above-peer net price and affordability standing point toward a less favorable cost picture.

Costs for aid recipients run above the comparable benchmark, even as borrower debt sits slightly lower. Azimuth places University of Oregon’s affordability pillar in the 42nd percentile among nonprofit four-year institutions.

Its average net price, what aid recipients pay after grants and scholarships, is $22,182, or $6,548 above the peer median of $15,634 for comparable institutions (same type and size). is $15,909 for aid recipients in the lowest-income band and $31,021 in the highest-income band.

Among borrowers who completed, median federal student loan debt is $20,139, $63 above the peer median of $20,076. Higher net prices and slightly lower borrowing point in different directions.

For aid recipients in the lowest family-income band, the average net price is $15,909; it is $15,760 in the next-lowest band, $18,364 in the middle band, $24,704 in the next-highest band, and $31,021 in the highest band. Pell Grants reach 21.3% of undergraduates, providing financial-access context for the lowest band.

Across the lowest and highest bands, the difference between the average net prices is $15,112.

Average net price by family income
$0–30K
$15,909
$30–48K
$15,760
$48–75K
$18,364
$75–110K
$24,704
$110K+
$31,021

Averages within each income band; individual aid packages vary.

Overall average annual net price: $22,182. After grants and scholarships, including living costs. Source and coverage.

Aid covers about 36% of the published cost for the average aid recipient, a reduction of $12,611 from the sticker price. That average masks a spread of $15,112 between the lowest and highest income bands.

The lowest band, families earning under $30,000, averages $15,909, while the highest band, over $110,000, averages $31,021. Net prices are lower at lower incomes, and more support flows to families with fewer resources.

At University of Oregon, the published cost of attendance is $34,793, with aid recipients facing different average net prices by family-income band. The average net price is $15,909 in the lowest family-income band, $15,760 in the next-lowest band, $18,364 in the middle band, $24,704 in the upper-middle band, and $31,021 in the highest band.

The spread between the lowest and highest bands is $15,112. Azimuth ranks the university #825 for affordability among nonprofit four-year institutions.

For the average aid recipient, aid covers about 36% of the published cost and offsets $12,611 from the sticker price. Across first-time, full-time aid recipients, the average net price, what aid recipients pay after grants and scholarships, is $22,182.

The peer median net price, the middle value for comparable institutions (same type and size), is $15,634, and the university’s average is $6,548 above it. Aid reduces the published cost, though the average price remains above the peer median.

Among federal-loan borrowers who completed, median federal student debt is $20,139, and 85.1% of federal aid recipients borrow federal loans. The peer median debt for comparable institutions (same type and size) is $20,076, placing the university $63 above that figure.

That debt corresponds to an estimated payment of $229 a month if repaid over ten years. Median Parent PLUS borrowing is $44,405.

Student loans: what does repayment look like?

Federal borrowing is widespread at University of Oregon, and completion debt sits just below the peer reference. 85.1% of federal aid recipients take federal loans.

At completion, borrowers’ median federal student loan debt is $20,139. The peer median, the middle value for comparable institutions (same type and size), is $20,076, leaving the university $63 above that figure.

For Parent PLUS borrowers, a separate parent-borrower population, median debt is $44,405. In its 2024-25 Common Data Set, the university reported 40% of graduates borrowed from any source, including 38% with federal loans and 6% with private loans.

Average cumulative borrowing was $28,197 per borrower; average federal borrowing was $19,031 and average private borrowing was $61,065.

The investment picture at University of Oregon is shaped by earnings that sit near the national midpoint and borrowing that is close to the peer norm. Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $62,174, a figure in the 57th percentile among nonprofit four-year institutions.

That is $3,436 below the $65,610 median for comparable institutions (same type and size). Graduates earn about $1,106 less than expects for similar students, an outcome in the 51st percentile.

Earnings scenarios, estimated from the program mix, stretch from $48,761 in a downside case to $82,448 in an upside case. Borrowers who finish carry a median of $20,139 in federal student loans, $63 above the $20,076 median for comparable institutions.

If repaid over ten years, that debt corresponds to an estimated payment of $229 a month.

Among parent borrowers, median Parent PLUS borrowing is $44,405. For student borrowers, median federal debt corresponds to an estimated payment of $229 a month if repaid over ten years.

Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.

Parent loans: what can the family afford?

How Parent PLUS borrowing affects families

Median Parent PLUS debt
$44,405
Estimated parent payment
$564/mo
Modeled Parent PLUS pressure by income
IncomeRisk level
$35,000High pressure
$50,000High pressure
$75,000High pressure
$100,000High pressure
$150,000Caution
$200,000Safe

The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.

Student and parent loans: the monthly payments

Financial GPS

What does repayment look like?

Institution median student debt
$20,139
Institution Parent PLUS debt
$44,405

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

Estimated student payment · monthly
$229/mo
Estimated Parent PLUS payment · monthly
$564/mo
Modeled student + parent payments
$793/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 $62,174, with a $22,590 annual allowance for basic expenses:

6.9% 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.

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

Data & methodology

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.

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.

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.