Cost & financial aid brief
University of Oregon Tuition, Costs & Financial Aid
How much does Oregon cost after financial aid?
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
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Caution |
| $200,000 | Safe |
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
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- 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.
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.
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.