Annual Costs

Undergraduate Tuition

SUNY College at Oneonta tuition is $6,670 per year for in-state residents. This is 5% cheaper than the national average public four year tuition of $7,056. The cost is 70% cheaper than the average New York tuition of $22,120 for 4 year colleges. Tuition ranks 25th in New York amongst 4 year colleges for affordability and is the 161st most expensive 4 year college in the state. If attending from out-of-state, the tuition is $16,320 which represents a 145% premium.

The school charges an additional fees of $1,496 in addition to tuition bringing the total effective in-state tuition to $8,166.

Housing Costs

On campus room and board is provided by the school at a cost of $12,794 per academic year. Students electing to live off campus elsewhere in Oneonta should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,200.

Other Living Expenses

If living on-campus, students should budget for $2,002 in additional living expenses. Off-campus students should budget for $2,002 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state New York residents to go to SUNY College at Oneonta is $24,162 for the 2017/2018 academic year. Out-of-state students who don't have New York residence can expect a one year cost of $33,812.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for SUNY College at Oneonta and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for SUNY College at Oneonta
Estimated Budgets
New York Resident Total Budget $24,162
   In-State Tuition$6,670
   Other Fees$1,496
   Room and Board$12,794
   On-Campus Other Budget$2,002
   Books and Supplies$1,200
Non-Resident Total Budget $33,812
   Out-of-State Tuition$16,320
   Other Fees$1,496
   Room and Board$12,794
   On-Campus Other Budget$2,002
   Books and Supplies$1,200


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $24,162 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported SUNY College at Oneonta net price for in-state students is $15,097* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

61% of SUNY College at Oneonta students received grant aid in 2014/2015. The average total aid amount was $6,425. 28 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,401. To apply for a Pell Grant to attend SUNY College at Oneonta, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for SUNY College at Oneonta
Financial Aid Summary
Average Annual Net Price$15,097*
Percent of Students Receiving Grant Aid61%
Average Total Grant Aid$6,425
Percent of Students Receiving Pell Grants28%
Average Amount of Pell Grant Aid$4,401

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$8,508
$30,001 to $48,000$12,126
$48,001 to $75,000$16,474
$75,001 to $110,000$19,076

Average Financial Aid Mix - $24,162 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $24,162. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 29% - $6,425

Money granted to you by the U.S. Department of Education, SUNY College at Oneonta or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 25% - $5,515

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 46% -  $10,220

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. SUNY College at Oneonta
SUNY College at Cortland0% less expensive
SUNY at Albany0% less expensive
SUNY College at Oswego0% less expensive
Ramapo College of New Jersey74.5% more expensive
SUNY at Purchase College0% less expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at SUNY College at Oneonta.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at SUNY College at Oneonta is $96,648 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $12,848 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $51,392**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $120,810 or $64,240 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at SUNY College at Oneonta.

New York Resident Tuition Per Semester$3,335
New York Resident Total Cost Per Semester$12,081
Non-New York Resident Tuition Per Semester$8,160
Non-New York Resident Total Cost Per Semester$16,906

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at SUNY College at Oneonta are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at SUNY College at Oneonta
Price per credit hour for New York residents$278
Cost for one class for New York residents (3 credit hours)$834
Price per credit hour for out of state residents$680
Cost for one class for out of state residents (3 credit hours)$2,040
Cost for one class for out of state residents (4 credit hours)$2,720


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 61% of SUNY College at Oneonta students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,515. The reported average student debt upon graduation is $13,697.

Example Loan Payments and Costs

How much are student loan payments for SUNY College at Oneonta? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $51,392, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $63,765.69. This could be your effective total out of pocket cost of an education at SUNY College at Oneonta. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 61% of students at this school who receive financial aid and you are paying an average annual net price of $12,848. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our SUNY College at Oneonta student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

SUNY College at Oneonta Student Loan Payments
Example Payments
Monthly Loan Payment$531.38
Amount Borrowed$51,392.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$12,373.69
Sum of All Payments over 10 years$63,765.69

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend SUNY College at Oneonta? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending SUNY College at Oneonta, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $63,765.69 would be needed to afford a $531.38 monthly payment in the example $51,392.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to SUNY College at Oneonta in the future? In the past four years, this school's published in-state tuition and fee total rose from $5,570 to $6,670. This amounts to an average annual price increase of 3.9%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $96,648.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for SUNY College at Oneonta.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$33,228$132,914
Estimated Cost in 10 years for students enrolling in 2029$42,409$169,635
Estimated Cost in 15 years for students enrolling in 2034 $54,126$216,502
Estimated Cost in 18 years for students enrolling in 2037 $62,657$250,628

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at SUNY College at Oneonta to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Education, Other Bachelor's Degree 122 10% cheaper
Music Management Bachelor's Degree 118 15% cheaper
Business/Managerial Economics Bachelor's Degree 100 16% cheaper
Dietetics/Dietitian Bachelor's Degree 41 7% cheaper
Kindergarten/Preschool Education and Teaching Bachelor's Degree 28 6% costlier
Mathematics Teacher Education Bachelor's Degree 26 4% cheaper
Social Studies Teacher Education Bachelor's Degree 22 9% cheaper
Natural Resources/Conservation, General Bachelor's Degree 19 16% cheaper
English/Language Arts Teacher Education Bachelor's Degree 16 4% cheaper
Music, General Bachelor's Degree 14 18% cheaper
Family and Consumer Sciences/Human Sciences, General Bachelor's Degree 13 7% costlier
Foods, Nutrition, and Wellness Studies, General Bachelor's Degree 12 9% cheaper
Family and Consumer Sciences/Home Economics Teacher Education Bachelor's Degree 12 9% costlier
Art/Art Studies, General Bachelor's Degree 10 14% cheaper
Science Teacher Education/General Science Teacher Education Bachelor's Degree 9 1% cheaper
English Language and Literature, General Bachelor's Degree 9 16% cheaper
Mathematics, General Bachelor's Degree 9 18% cheaper
Rhetoric and Composition Bachelor's Degree 8 9% cheaper
Design and Applied Arts, Other Bachelor's Degree 6 21% cheaper
Mass Communication/Media Studies Bachelor's Degree 6 11% cheaper
Anthropology Bachelor's Degree 6 25% cheaper
Atmospheric Sciences and Meteorology, General Bachelor's Degree 6 16% cheaper
Sociology Bachelor's Degree 5 18% cheaper
Spanish Language and Literature Bachelor's Degree 4 22% cheaper
Geography Bachelor's Degree 4 9% cheaper
Chemistry, General Bachelor's Degree 4 19% cheaper
International Relations and Affairs Bachelor's Degree 4 28% cheaper
Biology Teacher Education Bachelor's Degree 3 1% costlier
Spanish Language Teacher Education Bachelor's Degree 3 7% cheaper
Geology/Earth Science, General Bachelor's Degree 3 18% cheaper
English Literature (British and Commonwealth) Bachelor's Degree 3 26% cheaper
Criminal Justice/Safety Studies Bachelor's Degree 3 0% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 3 20% cheaper
Human Development and Family Studies, General Bachelor's Degree 3 9% cheaper
Psychology, General Bachelor's Degree 2 16% cheaper
French Language and Literature Bachelor's Degree 2 27% cheaper
African-American/Black Studies Bachelor's Degree 2 28% cheaper
Economics, General Bachelor's Degree 2 24% cheaper
Physics Teacher Education Bachelor's Degree 2 7% cheaper
Hydrology and Water Resources Science Bachelor's Degree 2 23% cheaper
Biology/Biological Sciences, General Bachelor's Degree 2 16% cheaper
Statistics, General Bachelor's Degree 1 25% cheaper
Foreign Language Teacher Education Bachelor's Degree 1 12% cheaper
Political Science and Government, General Bachelor's Degree 1 19% cheaper
Accounting Bachelor's Degree 1 9% cheaper
Physics, General Bachelor's Degree 1 23% cheaper
Social Sciences, Other Bachelor's Degree 1 28% cheaper
History, General Bachelor's Degree 1 17% cheaper
Philosophy Bachelor's Degree 1 25% cheaper
Computer and Information Sciences, General Bachelor's Degree 1 8% cheaper


Use the calculators below to formulate a college savings plan for SUNY College at Oneonta or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford SUNY College at Oneonta in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a SUNY College at Oneonta student loan.

Prepayment Option

About SUNY College at Oneonta

SUNY College at Oneonta is a four year public college located in Oneonta, New York.  Full time enrollment is 5,730 and part time is 325.

Students attending this school may pursue both undergraduate and graduate degrees.

SUNY College at Oneonta
Ravine Parkway
Oneonta, New York

For Profit / Not For Profit Status

SUNY College at Oneonta is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

SUNY College at Oneonta cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=196185 IPEDS survey data.