Cost, debt & salary

Is University of Central Oklahoma worth it? What it costs, and what graduates earn

You would borrow a median $21,000 — about $239 a month for ten years. Graduates earn a median $48,351 ten years after starting, so the debt clears in roughly 2.4 years of the salary premium.

D

Is it worth the money?

Be careful — the salary here takes noticeably longer than average to clear the debt.

You borrow $21,000 median federal debt at graduation
You repay $239/mo standard 10-year federal plan
You earn $48,351 median, 10 years after entry · beats 24%
Debt clears in 2.4 yrs ranked 659 of 810

What that feels like each month Repayment against the salary that has to cover it.

Gross monthly pay
$4,029
Loan repayment
$239
Share of your pay
5.9%
0%15% — the comfort line25%

Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.

Cut the debt before you borrow it

Every dollar you win is a dollar you never repay — and it moves the 2.4-year payback above. We list 3 scholarships tied to University of Central Oklahoma.

Distinguished Graduate Scholar Program 2022 Mr. and Miss UCO International Scholarships 2022 - University... University of Central Oklahoma Freshman Merit Global Scholarsh...
See all 3 University of Central Oklahoma scholarships →

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How University of Central Oklahoma compares Against the 810 US universities we grade on payback.

The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. University of Central Oklahoma takes longer than that, and its graduates earn $8,831 a year more than a US worker with only a high-school diploma.

Nearby universityGradeDebtEarningsPayback
Oklahoma Christian University Oklahoma F $26,000 $49,203 2.7 yrs
Oklahoma Baptist University Oklahoma F $24,801 $48,434 2.8 yrs
Northeastern State University Oklahoma F $17,367 $45,379 3 yrs
East Central University Oklahoma F $17,671 $44,962 3.3 yrs
Southern Nazarene University Oklahoma C $21,900 $54,951 1.4 yrs

University of Central Oklahoma — the money questions

How much do graduates of University of Central Oklahoma earn?
Median earnings are $48,351 a year, measured ten years after students first enrolled — from tax records, not a survey. That is higher than 24% of the US universities we hold figures for.
How much debt will I have at University of Central Oklahoma?
The median graduate leaves with $21,000 of federal loans. On the standard ten-year plan that is about $239 a month — roughly 5.9% of the median graduate's monthly pay before tax.
How long does a degree from University of Central Oklahoma take to pay for itself?
About 2.4 years of the salary premium — the amount graduates earn above the $39,520 a US worker with only a high-school diploma makes. That ranks it 659 of 810 US universities we grade on payback.
Can scholarships reduce this debt?
Yes — we list 3 scholarships tied to University of Central Oklahoma. Each award you win comes straight off the borrowing above, and the payback figure falls with it.
Do these numbers apply to my subject?
No. The Department of Education publishes one figure per institution, so nursing, engineering and fine art students at University of Central Oklahoma all sit inside the same median. Treat it as the size of the financial risk, not a salary forecast for your course.
University of Central Oklahoma profile Programmes at University of Central Oklahoma University of Central Oklahoma scholarships University of Central Oklahoma review & grade Compare with Oklahoma Christian University Payback across Oklahoma What University of Central Oklahoma costs Student loan record SAT scores & admission Fastest-paying US degrees Lowest student debt How we calculate this

Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.