Understanding Tuition and Fees at the University of Wisconsin Oshkosh

Navigating the costs associated with higher education can be a daunting task. This article aims to provide a comprehensive breakdown of tuition, fees, and payment options at the University of Wisconsin Oshkosh (UWO), offering guidance for both prospective and current students.

Estimating the Cost of Attendance

The first step in determining your financial need is to calculate the estimated cost of attendance at UW Oshkosh. The Financial Aid Office establishes cost of attendance budgets based on averaged and actual costs from reported data, survey data and Bureau of Labor Statistics data. The following information is a generous estimate for students and families to budget for all potential costs relating to education. Student account information and actual cost of education can be found on TitanWeb.

Tuition is based on full-time enrollment for undergraduate students (12 credits) and 6 credits for graduate students. The estimate of books, supplies and lab fees is based on average cost for undergraduate and graduate students. Your actual costs may be more or less based on the courses you are enrolled in during any given semester.

There are two housing costs factored into the cost of education. Students living with parents are considered commuter students. Students living on or off campus will have housing costs that equal the average cost of the on-campus housing for the year. Food is also calculated differently for commuter and on- and off-campus students. The cost is updated each year based on the projected increase in the University food services costs.

Tuition and Fees for In-State and Out-of-State Students

Understanding the difference in tuition costs for in-state and out-of-state students is crucial for financial planning.

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In-state tuition at University of Wisconsin Oshkosh for undergraduate students residing in Wisconsin is $6,806. Room and board charges total $8,940 per year. Students will also need to budget for books and supplies, which typically amount to $1,000 annually. Other administrative or academic fees are $1,406 for the year.

Undergraduate tuition at University of Wisconsin Oshkosh is $14,719 for out-of-state students. Additionally, out-of-state students are charged $8,940 for room and board, $1,000 for textbooks and educational resources, plus fees of $1,406. Students are advised to budget $3,000 for other expenses. When these costs are combined, annual out-of-state charges total $29,065.

On campus room and board is provided by the school at a cost of $8,940 per academic year. If living on-campus, students should budget for $3,000 in additional living expenses.

Net Price and Financial Aid

The average reported annual net price for University of Wisconsin Oshkosh for students receiving grants or scholarship aid was $12,942 in 2019/2020. The net price provides a more realistic estimate of the true cost of attending University of Wisconsin Oshkosh, once common grants and scholarships have been taken into account. It's important to note that your net price will fluctuate based on factors such as family income, assets and individual financial need. Department of Education's Academic Year 2022/2023 IPEDS Survey. Financial aid is only available to those who qualify. Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses.

51% of full-time undergrad University of Wisconsin Oshkosh received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $6,088 per student during the 2019/2020 school year. Grant and scholarship aid does not need to be paid back.

The average Pell Grant awarded for 2019/2020 was $4,852. To apply for a Pell Grant to attend University of Wisconsin Oshkosh, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Student Loans

To gauge a more realistic picture of what it really could cost you out of pocket to go to University of Wisconsin Oshkosh, we've modeled a ten year student loan with an original principal value of $51,768. The loan balance of $51,768 is a four year multiple of the $12,942 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $589 could be required to pay off your student loan. Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. 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 Wisconsin Oshkosh, should consider if it will be realistic to make the post graduation loan payments based on your expected salary. a $588.61 monthly payment in the example $51,768.00 loan modeled above. This assumes a repayment over 10 years. You can change the terms of this example loan using the student loan calculator below. View statistics about University of Wisconsin Oshkosh student loan debt and graduate salaries under student outcomes.

Understanding Your E-Bill

Electronic billing is the official means of generating tuition bills to all University of Wisconsin Oshkosh students. Paper billing statements no longer exist for enrolled students. If you are questioning the amount or existence of a specific charge on your account, please contact the office related to the charge for which you have a question. The first E-Bill of each new semester will not reflect that semester’s financial aid. Financial aid cannot be applied to your account until the week before the new semester’s classes begin. You may want to view your account detail on Titan Web on the Friday before the new semester to verify whether your awarded financial aid has applied and to find your new balance due.

Financial Aid and Verification

It is important to provide the requested documents in a timely manner. Once all of the requested information is returned to our office, the counselors will review the documents and follow up if any additional information is needed. Please be patient, as it takes time for our counselors to process the data. After the verification process is complete, the student will be awarded a financial aid package.

Accessing Your Account Information

On the front page of your “Student Center,” under “Finances,” you can find your current balance, as well as a statement of your account.

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FERPA and Third-Party Access

In compliance with the Federal Family Education Rights and Privacy Act (FERPA) of 1974, the University is prohibited from providing certain information from your student records to a third party, such as information on class schedule, grades, student accounts, discipline records, official transcripts and other student record information. This restriction applies, but is not limited, to your parents, your spouse, or a sponsor. You may, at your discretion, grant the University permission to release information to a third party. You may, at your discretion, grant access to others to see student record information, including your UWO bill.

Payment Options and Procedures

Understanding the various payment options and adhering to deadlines is crucial for maintaining good financial standing with the university.

Direct Deposit for Financial Aid Refunds

All approved financial aid is processed through the Financial Aid office. Electronic financial aid payments are processed twice weekly. Funds are applied to the Student Bill and any overpayment is refunded to the student. Student Bill balances must be paid in full before a refund can be issued. We encourage all students to sign up for direct deposit as it is a much more efficient process for refunding financial aid. Direct deposit refunds are generally available in three to five business days versus up to 3 weeks for a paper checks. Scholarships and paper loan checks received by the Cashier’s Office that do not require the student’s endorsement will be applied directly to the student’s University account. Any excess funds after the student’s balance has been paid in full will be refunded at the request of the student. Once the student visits the Cashier’s Office and endorses the check, the funds will be applied to the student’s University account. Any excess that remains after the student’s balance is paid in full will be refunded to the student.

To sign up for direct deposit, please review and follow the instructions HERE.

Paying Your Bill

Credit card payments are not accepted in person or by telephone. Enter credit card information on Titan Web under “Finances”, then “Pay Bill/Direct Deposit.” A 2.85% convenience fee will be assessed on the payment amount for domestic credit card services by the credit card company. Please write student ID number on the check/money order. All payments must be RECEIVED by the due date. Your cancelled check is your receipt. If a cash register receipt is needed, include a self-addressed stamped envelope with your payment.

If you are getting an error message when you are trying to make a payment, first log out of your browser completely and restart your TitanWeb session. Your session will time out after several minutes of inactivity, so the more timely the entering of information, the more likely you are to make a successful payment. Check the box to Override Automatic Cookie Handling.

Drop Dates and Financial Implications

Please be aware that there are two drop dates for courses: an academic drop date and a financial drop date. Academic drop dates determine when the last day is that you can add or drop a course without instructors’ signatures or late drop forms. If you are trying to decide whether or not to drop a course and are unsure if you will be charged for a course, feel free to contact Student Accounts before you drop your course. Once a course is dropped during a late drop period, you will be charged in full for the course. In those instances in which a student can document nonattendance at the institution after having enrolled in one or more courses, the student shall be assessed fees equal to 20% of the original fees due, reduced to resident rates, plus the late payment fee.

Partial Payment Plan

The Partial Payment Plan is a way to give students more time to pay their bill. All students are automatically enrolled in the payment plan, they may chose to use the installment options or pay in full by the first due date. The student can pay the eligible charges in three installments during fall and spring terms and two installments during summer term. Students will need to review and sign the financial agreement each term, which will allow students to use the payment plan option each term. You will be required to make the first 10% payment and when the aid arrives it will apply to the entire outstanding balance.

Making a partial payment or simply paying the minimum balance due will not keep you from having finance charges assessed. Any charges that were shown on your E-bill and remain unpaid after that bill’s due date will be assessed finance charges. In general, to avoid finance charges, you should always pay off your entire account balance by the due date listed on your E-bill.

A finance charge, at an annual percentage rate of 12% (1% monthly periodic rate) will be assessed on the account balance that is $10.00 or more. The balance subject to finance charges is computed by subtracting from the previous balance outstanding at the beginning of the billing cycle all payments or credits received from the billing date and adding any charges made during the billing period. Students will be assessed a $25 for each due missed during each term.

Refunds

For credit balances resulting from financial aid overpayment, a refund will be automatically generated for you from your student account. However, for those credit balances that are created from any other overpayment, you will need to request a refund to be processed for you. You can request a refund by filling out this form. Your refund can take up to 3 weeks to process from the time the credit begins processing either from (1) financial aid disbursed on your account or (2) a request for refund for an over payment. If you dropped a course, but are still in the 12-18 credit “plateau,” you will not receive a refund for the course.

Segregated University Fees (SUF)

Segregated university fees (SUF) are charges, in addition to instructional fees, assessed to all students for student services, activities, programs, and facilities that support the mission of the University of Wisconsin System institutions. If you are interested in seeing a breakdown of the activities and programs receiving segregated fees, refer to our Segregated Fees page.

Allocable SUF are those SUF that provide substantial support for campus student activities and services and that are allocated by students, in consultation with the chancellor and subject to the final confirmation of the Board of Regents. The university group organized at UW Oshkosh for the purpose of engaging in the allocation process is the Student Allocations Committee.

Non-allocable SUF are those SUF that are used to support long-term commitments for fixed financial obligations, ongoing operating costs of university owned or controlled buildings and similar commitments for student unions, health centers, child care centers and recreational sports centers. Chancellors, following consultation with students, are responsible for the development of budgets and expenditures of non-allocable SUF.

The following units are funded by UW Oshkosh SUF: Reeve Union, Oshkosh Sports Complex, Student Health Center, Intercollegiate Athletics, Student Recreation & Wellness Center and the Municipal Fee.

Residency and Reciprocity

It is the student’s responsibility to apply for reciprocity. Reciprocity is not automatic. The state of Minnesota grants reciprocity on the basis of the application provided by the student. Students must apply online at www.getreadyforcollege.org . Those who do not apply, apply late and/or are not approved will be required to pay non-resident rates.

Loan Repayment and Resources

The UW Oshkosh Financial Aid office can answer questions regarding taking out a loan. The UW Oshkosh Perkins and Nursing Loan office can answer questions regarding the repayment or benefits of a Perkins or Nursing student loan. The UW Oshkosh Financial Aid office can answer questions regarding the repayment or benefits of a Stafford or Direct Loan.

ECSI is the company that UW Oshkosh hires to bill for our Perkins and Nursing loans, as well as delinquent student accounts. They are not a collection agency; they are a billing service agency. You will get your monthly statements from ECSI and you will be sending your payments to them for processing. Your school code is R8 and your account number is your social security number. Your PIN will be listed on your monthly statement from ECSI.

We do not accept credit card payments in our office or over the phone. However, you can make credit card payments by calling ECSI (see number above) or by accessing your ECSI account online (see info above). Automatic payments (ACH) can be set up by calling ECSI or by accessing your ECSI account online. If you cannot make your monthly payments, call our office at (920) 424-1336.

Additional Fees and Enrollment Types

Mandatory fees are assessed by using all hours attempted, including Online (Net) and eCore classes when taking any Face-to-Face classes. For specific information on mandatory fees, please visit our Mandatory Fees page.

An auditor is a student who enrolls as an observer or listener only. Auditors pay all regular fees and tuition for enrollment. A post-baccalaureate non-degree seeking student attends classes, but is not seeking a UWG degree.

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