Cost & financial aid brief
University of Wisconsin-Oshkosh Tuition, Costs & Financial Aid
How much does University of Wisconsin-Oshkosh cost after financial aid?
Aid reduces the published cost most for families in the lower income bands, rather than by an even amount across the income range. The average aid recipient receives an offset of $5,347 from the sticker price, leaving an average net price of $14,305.
Aid covers about 27% of the published cost for the average aid recipient. The lowest-band average is far below the highest-band average, with the middle bands falling between them.
That price pattern shows larger average aid reductions at lower family incomes, although each aid package can differ from the band average. The sticker-to-net reduction and the income pattern point in the same direction: published cost matters less for aid recipients with lower incomes.
The published cost of attendance at University of Wisconsin-Oshkosh is $19,652. Azimuth ranks the university #299 for affordability among nonprofit four-year institutions.
The average net price, what aid recipients pay after grants and scholarships, is $9,236 for families earning under $30,000, $11,601 for those earning $48,001 to $75,000, and $19,223 for those earning over $110,000. The spread between the lowest and highest bands is $9,987.
The average aid recipient saves $5,347 off the sticker price, leaving an of $14,305 across all bands. That figure is $237 above the $14,068 median for comparable institutions (same type and size).
In-state tuition and fees are $8,532; out-of-state students pay $16,446. Borrowers who finish carry a median of $21,500 in federal student loans, $271 above the $21,229 median for comparable institutions.
91.2% of federal aid recipients borrow federal loans. Parents who borrow hold a separate median of $13,500 in Parent PLUS loans.
If repaid over ten years, the median student debt corresponds to an estimated payment of $244 a month.
Student loans: what does repayment look like?
The debt picture begins with broad federal loan use: 91.2% of federal aid recipients borrow. For comparable institutions (same type and size), the peer median federal debt is $21,229.
University of Wisconsin-Oshkosh's median is above that benchmark by $271. In the separate parent-borrower population, median Parent PLUS borrowing is $13,500.
The investment picture at University of Wisconsin-Oshkosh is anchored by affordability, its strongest pillar. Four years after completion, federally aided graduates who are working and not enrolled earn a median of $59,730, placing the university at the 50th percentile among nonprofit four-year institutions.
That figure is $2,429 above the $57,301 median for comparable institutions (same type and size). Graduates earn about $4,117 less than expects for similar students, a result at the 39th percentile.
Earnings scenarios estimated from the program mix range from $48,817 in a downside case to $80,305 in an upside case, with $59,730 as the typical outcome. Borrowers who finish carry a median of $21,500 in federal student loans, which is $271 above the $21,229 peer median.
That debt corresponds to an estimated payment of $244 a month if repaid over ten years. Earnings and borrowing sit close to their peer medians.
Parent borrowers have median Parent PLUS borrowing of $13,500, a separate parent-borrower population from student borrowers. Median federal student debt corresponds to an estimated payment of $244 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
- $13,500
- Estimated parent payment
- $172/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 10.1% | High pressure |
| $100,000 | 4.5% | Safe |
| $150,000 | 2.2% | Safe |
| $200,000 | 1.4% | Safe |
The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. Open the parent tool for your own numbers. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $21,500
- Institution Parent PLUS debt
- $13,500
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $244/mo
- Estimated Parent PLUS payment · monthly
- $172/mo
- Modeled student + parent payments
- $416/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 $59,730, with a $23,940 annual allowance for basic expenses:
8.2% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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, $23,940, uses the published framework’s 2026 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.