Annual Costs

Undergraduate Tuition

University of Central Oklahoma tuition is $6,161 per year for in-state residents. This is 10% cheaper than the national average public four year tuition of $7,203. The cost is 49% cheaper than the average Oklahoma tuition of $12,722 for 4 year colleges. Tuition ranks 16th in Oklahoma amongst 4 year colleges for affordability and is the 19th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $16,508 which represents a 168% premium.

The school charges an additional fees of $939 in addition to tuition bringing the total effective in-state tuition to $7,100.

Housing Costs

On campus room and board is provided by the school at a cost of $7,970 per academic year. Students electing to live off campus elsewhere in Edmond should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,600.

Other Living Expenses

If living on-campus, students should budget for $6,946 in additional living expenses. Off-campus students should budget for $8,546 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Oklahoma residents to go to UCO-Central is $23,616 for the 2018/2019 academic year. Out-of-state students who don't have Oklahoma residence can expect a one year cost of $33,963.

Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for University of Central Oklahoma and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for University of Central Oklahoma
Estimated Budgets
Oklahoma Resident Total Budget $23,616
   In-State Tuition$6,161
   Other Fees$939
   Room and Board$7,970
   On-Campus Other Budget$6,946
   Books and Supplies$1,600
Non-Resident Total Budget $33,963
   Out-of-State Tuition$16,508
   Other Fees$939
   Room and Board$7,970
   On-Campus Other Budget$6,946
   Books and Supplies$1,600


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 $23,616 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 UCO-Central net price for in-state students is $10,954* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

71% of University of Central Oklahoma students received grant aid in 2014/2015. The average total aid amount was $6,041. 42 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 University of Central Oklahoma, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for University of Central Oklahoma
Financial Aid Summary
Average Annual Net Price$10,954*
Percent of Students Receiving Grant Aid71%
Average Total Grant Aid$6,041
Percent of Students Receiving Pell Grants42%
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$8,282
$30,001 to $48,000$9,765
$48,001 to $75,000$13,466
$75,001 to $110,000$15,526

Average Financial Aid Mix - $23,616 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $23,616. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 36% - $6,041

Money granted to you by the U.S. Department of Education, University of Central Oklahoma or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 36% - $5,990

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

Out of Pocket

 28% -  $4,639

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. University of Central Oklahoma
Midwestern State University15.3% less expensive
Pittsburg State University9.9% less expensive
Emporia State University18.4% less expensive
Southern Arkansas University Main Campus11% more expensive
Angelo State University34.1% 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 University of Central Oklahoma.

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 UCO-Central is $94,464 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 $11,783 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $47,132**

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 $118,080 or $58,915 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 University of Central Oklahoma.

Oklahoma Resident Tuition Per Semester$3,080
Oklahoma Resident Total Cost Per Semester$11,808
Non-Oklahoma Resident Tuition Per Semester$8,254
Non-Oklahoma Resident Total Cost Per Semester$16,982

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 University of Central Oklahoma 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 University of Central Oklahoma
Price per credit hour for Oklahoma residents$205
Cost for one class for Oklahoma residents (3 credit hours)$615
Price per credit hour for out of state residents$550
Cost for one class for out of state residents (3 credit hours)$1,650
Cost for one class for out of state residents (4 credit hours)$2,200


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. 41% of University of Central Oklahoma students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,990. The reported average student debt upon graduation is $21,770.

Example Loan Payments and Costs

How much are student loan payments for University of Central Oklahoma? 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 $47,132, 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 $58,480.00. This could be your effective total out of pocket cost of an education at University of Central Oklahoma. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 71% of students at this school who receive financial aid and you are paying an average annual net price of $11,783. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our University of Central Oklahoma 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.

University of Central Oklahoma Student Loan Payments
Example Payments
Monthly Loan Payment$487.33
Amount Borrowed$47,132.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$11,348.00
Sum of All Payments over 10 years$58,480.00

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend UCO-Central? 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 University of Central Oklahoma, 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 $58,480.00 would be needed to afford a $487.33 monthly payment in the example $47,132.00 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 University of Central Oklahoma in the future? In the past four years, this school's published in-state tuition and fee total rose from $4,460 to $6,161. This amounts to an average annual price increase of 7.6%. 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 $94,464.00. 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 University of Central Oklahoma.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$32,478$129,910
Estimated Cost in 10 years for students enrolling in 2030$41,450$165,802
Estimated Cost in 15 years for students enrolling in 2035 $52,902$211,610
Estimated Cost in 18 years for students enrolling in 2038 $61,241$244,965

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at University of Central Oklahoma 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
General Studies Bachelor's Degree 314 0% costlier
Business Administration and Management, General Bachelor's Degree 230 2% cheaper
Registered Nursing/Registered Nurse Bachelor's Degree 119 5% cheaper
Accounting Bachelor's Degree 116 9% cheaper
Biology/Biological Sciences, General Bachelor's Degree 109 16% cheaper
Finance, General Bachelor's Degree 95 9% cheaper
Psychology, General Bachelor's Degree 94 16% cheaper
Elementary Education and Teaching Bachelor's Degree 88 4% cheaper
Marketing/Marketing Management, General Bachelor's Degree 75 7% cheaper
Early Childhood Education and Teaching Bachelor's Degree 53 2% cheaper
Industrial Safety Technology/Technician Bachelor's Degree 44 20% costlier
Public Relations/Image Management Bachelor's Degree 43 14% cheaper
Management Information Systems, General Bachelor's Degree 38 8% cheaper
Sociology Bachelor's Degree 37 18% cheaper
History, General Bachelor's Degree 34 17% cheaper
Criminal Justice/Safety Studies Bachelor's Degree 34 0% cheaper
Photojournalism Bachelor's Degree 31 13% cheaper
Music Performance, General Associate's Degree 30 76% costlier
Broadcast Journalism Bachelor's Degree 29 12% cheaper
English Language and Literature, General Bachelor's Degree 29 15% cheaper
Kinesiology and Exercise Science Bachelor's Degree 28 12% cheaper
Music Management Associate's Degree 28 74% costlier
Advertising Bachelor's Degree 26 13% cheaper
Child Development Bachelor's Degree 25 1% costlier
Political Science and Government, General Bachelor's Degree 23 18% cheaper
Apparel and Accessories Marketing Operations Bachelor's Degree 22 11% cheaper
Journalism Bachelor's Degree 21 12% cheaper
Operations Management and Supervision Bachelor's Degree 21 4% costlier
Fine/Studio Arts, General Bachelor's Degree 20 21% cheaper
Forensic Science and Technology Bachelor's Degree 19 11% cheaper
Public Health Education and Promotion Bachelor's Degree 19 6% cheaper
Computer and Information Sciences, General Bachelor's Degree 19 8% cheaper
Graphic Design Bachelor's Degree 18 16% cheaper
Geography Bachelor's Degree 17 8% cheaper
History Teacher Education Bachelor's Degree 17 2% cheaper
Music Teacher Education Bachelor's Degree 16 10% cheaper
Parks, Recreation and Leisure Studies Bachelor's Degree 15 2% cheaper
Speech-Language Pathology/Pathologist Bachelor's Degree 15 6% cheaper
Funeral Service and Mortuary Science, General Bachelor's Degree 15 11% cheaper
Interior Design Bachelor's Degree 14 12% cheaper
Trade and Industrial Teacher Education Bachelor's Degree 14 9% costlier
English/Language Arts Teacher Education Bachelor's Degree 13 3% cheaper
Educational Leadership and Administration, General Bachelor's Degree 13 26% costlier
Special Education and Teaching, Other Bachelor's Degree 13 5% cheaper
Creative Writing Bachelor's Degree 12 26% cheaper
Organizational Communication, General Bachelor's Degree 11 15% cheaper
Physical Education Teaching and Coaching Bachelor's Degree 11 3% cheaper
Actuarial Science Bachelor's Degree 10 20% cheaper
Chemistry, General Bachelor's Degree 10 18% cheaper
Business/Managerial Economics Bachelor's Degree 10 15% cheaper
LEGAL PROFESSIONS AND STUDIES Bachelor's Degree 9 16% cheaper
Criminal Justice/Police Science Bachelor's Degree 9 1% costlier
Information Technology Bachelor's Degree 8 0% cheaper
Liberal Arts and Sciences/Liberal Studies Bachelor's Degree 8 15% cheaper
Human Nutrition Bachelor's Degree 8 19% cheaper
Bioengineering and Biomedical Engineering Bachelor's Degree 8 34% cheaper
Humanities/Humanistic Studies Bachelor's Degree 8 20% cheaper
Mathematics, General Bachelor's Degree 8 17% cheaper
Insurance Bachelor's Degree 7 14% cheaper
Family Systems Bachelor's Degree 7 2% costlier
Mechanical Engineering Bachelor's Degree 6 20% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 6 20% cheaper
Speech Communication and Rhetoric Bachelor's Degree 5 14% cheaper
Dance, General Bachelor's Degree 5 25% cheaper
Electrical and Electronics Engineering Bachelor's Degree 5 19% cheaper
Technical Theatre/Theatre Design and Technology Bachelor's Degree 5 21% cheaper
Art Teacher Education Bachelor's Degree 5 6% cheaper
Applied Mathematics, General Bachelor's Degree 5 24% cheaper
Art History, Criticism and Conservation Bachelor's Degree 5 31% cheaper
Health Occupations Teacher Education Bachelor's Degree 5 19% cheaper
French Language and Literature Bachelor's Degree 5 26% cheaper
International Business/Trade/Commerce Bachelor's Degree 5 18% cheaper
Spanish Language and Literature Bachelor's Degree 4 21% cheaper
Philosophy Bachelor's Degree 4 25% cheaper
Music, Other Bachelor's Degree 4 22% cheaper
Stringed Instruments Bachelor's Degree 4 35% cheaper
Drama and Dance Teacher Education Bachelor's Degree 4 8% cheaper
Family and Consumer Sciences/Home Economics Teacher Education Bachelor's Degree 3 9% costlier
Spanish Language Teacher Education Bachelor's Degree 3 6% cheaper
Adult Development and Aging Bachelor's Degree 2 0% costlier
Biology Teacher Education Bachelor's Degree 2 1% costlier
Economics, General Bachelor's Degree 2 24% cheaper
Mathematics Teacher Education Bachelor's Degree 1 4% cheaper
Logistics, Materials, and Supply Chain Management Bachelor's Degree 1 7% cheaper
Teacher Education and Professional Development, Specific Subject Areas, Other Bachelor's Degree 1 11% cheaper
Engineering Physics/Applied Physics Bachelor's Degree 1 31% cheaper
Clinical Laboratory Science/Medical Technology/Technologist Bachelor's Degree 1 5% cheaper
Communications Technologies/Technicians and Support Services, Other Bachelor's Degree 1 5% costlier


Use the calculators below to formulate a college savings plan for University of Central Oklahoma 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 University of Central Oklahoma 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 University of Central Oklahoma student loan.

Prepayment Option

About University of Central Oklahoma

University of Central Oklahoma is a four year public college located in Edmond, Oklahoma.  Full time enrollment is 11,178 and part time is 5,250. Learn more about getting accepted at University of Central Oklahoma at CollegeSimply.

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

University of Central Oklahoma
100 N University Dr
Edmond, Oklahoma

For Profit / Not For Profit Status

University of Central Oklahoma 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.

University of Central Oklahoma cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=206941 IPEDS survey data.