State University of New York at Oswego

Oswego, NY

Public midsize campus Town: Distant 5,473 undergrads

Affordability & debt

Average net price
$16,236per year, after aid
Undergraduates with a federal loan
52%
Undergraduates receiving a Pell grant
40%need-based, not repaid
Typical debt at graduation
$20,880federal loans, students who finished
Reducing their balance within 3 years
68%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $20,880. At 7% over 10 years — the standard federal plan — that is roughly $242 a month, about $29,092 repaid in total, of which $8,212 is interest.

Stretch the same balance over 25 years and the payment drops to $148 a month — but the total climbs to $44,273, roughly $15,181 more in interest. A smaller payment is not a smaller loan.

An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.

State University of New York at Oswego’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.

Published tuition

In-state tuition
$8,825published rate
Out-of-state tuition
$18,735published rate

The sticker price before any aid. Most students pay less than this — the net price above is what aided students actually paid on average.

Admissions

Acceptance rate
81%
Average SAT
1,187of admitted students
Average ACT
27of admitted students

Context for the class as a whole, not a prediction about any one applicant.

Outcomes

Median earnings
$57,56610 years after entry

Median earnings of former students who received federal aid, measured 10 years after they started.

Campus life

Campus setting
Town: Distant
Residential character
Highly residential — most students live on campus

Most common fields of study

  • Business & marketing23%
  • Communication & journalism12%
  • Education10%
  • Visual & performing arts9%
  • Psychology8%
  • Biological & biomedical sciences7%

Share of degrees awarded, by broad field.

Athletics

NCAA Division III without football

  • Baseball
  • Basketball
  • Cross Country
  • Diving
  • Field Hockey
  • Golf
  • Ice Hockey
  • Lacrosse
  • Soccer
  • Softball
  • Swimming
  • Tennis
  • Track and Field
  • Volleyball
  • Wrestling

What borrowing would really cost

Starting from the typical debt at State University of New York at Oswego. Change any figure to see your own.

Federal undergraduate loans have recently been near 7%. Private loans are often higher.

Standard plan — 10 years

$242per month

Total repaid
$29,092
Interest paid
$8,212

Longer term — 25 years

$148per month

Total repaid
$44,273
Interest paid
$23,393

Borrow $20,880 and repay it over 25 years instead of 10, and you pay $15,181 more — $44,273 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.

An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.

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Data from the U.S. Department of Education’s College Scorecard and the Equity in Athletics survey. Figures reflect the most recent reporting year available and may be out of date or incomplete — confirm anything decision-critical with the college directly. Official site: State University of New York at Oswego.