SUNY Oneonta

Oneonta, NY

Public midsize campus Town: Remote 4,643 undergrads

Affordability & debt

Average net price
$19,158per year, after aid
Undergraduates with a federal loan
57%
Undergraduates receiving a Pell grant
36%need-based, not repaid
Typical debt at graduation
$19,812federal loans, students who finished
Reducing their balance within 3 years
77%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $19,812. At 7% over 10 years — the standard federal plan — that is roughly $230 a month, about $27,604 repaid in total, of which $7,792 is interest.

Stretch the same balance over 25 years and the payment drops to $140 a month — but the total climbs to $42,008, roughly $14,404 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.

SUNY Oneonta’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
$8,831published rate
Out-of-state tuition
$19,781published 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
70%
Average SAT
1,230of admitted students

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

Outcomes

Median earnings
$60,38610 years after entry

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

Campus life

Campus setting
Town: Remote
Residential character
Primarily residential — many students live on campus

Most common fields of study

  • Education21%
  • Visual & performing arts13%
  • Business & marketing11%
  • Psychology10%
  • Communication & journalism9%
  • Parks, recreation & fitness9%

Share of degrees awarded, by broad field.

Athletics

NCAA Division III without football

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

What borrowing would really cost

Starting from the typical debt at SUNY Oneonta. Change any figure to see your own.

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

Standard plan — 10 years

$230per month

Total repaid
$27,604
Interest paid
$7,792

Longer term — 25 years

$140per month

Total repaid
$42,008
Interest paid
$22,196

Borrow $19,812 and repay it over 25 years instead of 10, and you pay $14,404 more — $42,008 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: SUNY Oneonta.