Understanding University of Nebraska Omaha Tuition Rates and Financial Aid

Choosing a university is a significant decision, and understanding the costs associated with tuition, fees, and financial aid is essential. This article provides a comprehensive overview of the University of Nebraska Omaha (UNO) tuition rates, the different types of financial aid available, and other factors that influence the overall cost of attendance.

Tuition and Fees: A Breakdown

The sticker price, encompassing both tuition and fees, represents the initial cost of attending UNO. For the academic year, the University of Nebraska Omaha's tuition is $8,718 for in-state students and $23,206 for out-of-state students. When compared to the national average cost of in-state tuition of $12,422, the University of Nebraska Omaha is more affordable for Nebraska residents. Similarly, for students coming from out of state, the tuition is cheaper than the national average cost of out-of-state tuition of $29,767.

It's important to note that fees contribute to various campus services and resources, such as library access, student gym facilities, student centers, technology resources, and campus health centers.

Additional Costs to Consider

Beyond tuition and fees, prospective students should also consider the total cost of attendance, which includes:

Food and Housing: Costs associated with on-campus or off-campus living and meal plans.
Books and Supplies: Expenses for textbooks, course materials, and other academic necessities. The cost of books and supplies is estimated to be $1,120 per year.
Transportation: Costs related to commuting to and from campus, including vehicle expenses or public transportation fares. The transportation costs are around $1,464 per year.
Personal Expenses: Miscellaneous costs for personal items, entertainment, and other day-to-day needs. Personal expenses are estimated at $2,410 per year.

Understanding the Net Price

The net price represents the actual cost a student pays after factoring in grants and scholarships. It's a more personalized estimate than the sticker price, as it considers individual financial circumstances and the institution's financial aid policies. The average net price for federal loan recipients is $12,670. UNO provides a net price calculator to help students estimate their individual costs. The Average Net Price is $13,284 per year.

Financial Aid Opportunities at UNO

UNO offers various financial aid options to help students manage the cost of education. Financial aid packages can include grants, loans, scholarships, and work-study jobs. These packages are determined based on a student's financial need, which is typically assessed through the Free Application for Federal Student Aid (FAFSA). Financial aid can include grants, loans, scholarships and work-study jobs. Financial aid packages vary depending on your financial need. Most colleges determine financial need based on your FAFSA.

Need-Based Aid

Need-based financial aid is awarded to students who demonstrate financial need. At University of Nebraska Omaha, 67% of first-year students received need-based financial aid in fall 2023.

Need-Based Scholarships and Grants: These do not need to be repaid. The average need-based scholarship or grant awarded to first-year students at University of Nebraska Omaha was $7,986. Grants can be given out by the federal government, your state, or the college and are based on your financial need. Grants do not need to be repaid.
Need-Based Self-Help Aid: This includes federal loans and work-study programs. Students can borrow loans to help with costs, but these need to be paid back later with interest. The average need-based self-help aid awarded to first-year students was $3,068.

Merit-Based Aid

Merit-based aid, also known as non-need-based aid, is awarded based on academic achievement or specific talents. The average non-need-based scholarship or grant awarded to first-year students at University of Nebraska Omaha - excluding any athletic scholarships, if applicable - was $2,475. Scholarships are awarded based on your your financial need or academic achievements. They do not need to be repaid but you may have to reapply for them each year.

Scholarships

Scholarships are a type of funding that you don’t need to pay back. Need-based scholarships take a student’s financial status into account. Merit-based scholarships are awarded to students for academic or athletic achievement. You might also qualify for a scholarship based on your community service involvement, unique hobbies or traits, your personal background, or a parent’s employer or military affiliation. Some students receive enough in scholarship money to cover their tuition and living expenses.

Student Loans and Debt

Student loans are sums of money given to students to help them pay for college now. You must pay this money back later with interest. How much student loan debt you accumulate can affect your financial life long after college ends. Ideally, your total student loan debt should fall below your anticipated starting salary once you graduate. At University of Nebraska Omaha, the median federal loan debt among borrowers who completed their undergraduate degree is $19,000. The median monthly federal loan payment (if it were repaid over 10 years at 5.05% interest) for student federal loan borrowers who graduated is $201. Additionally, 3% of graduating students at University of Nebraska Omaha took out private loans. Students with private loans had an average of $22,569 in private loan debt at graduation. The average total indebtedness of 2024 graduating class is $20,639. 35% of graduating students who have borrowed any loan type in 2024.

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Jobs and Work-Study Programs

Working while in school can help lessen the burden of your student loans. Schools offer work-study programs to those who qualify and campus jobs to students looking to earn money in their free time. Some institutions match students with work-study positions, while others require them apply to the positions, like they would for any other job. Begin your job search by checking whether your college has in-person or online job boards.

Financial Aid Application and Deadlines

To be considered for financial aid, students must complete the FAFSA. The application due date for financial aid is September 2. It is important to submit the application by the priority deadline to ensure the strongest consideration for available funds. The last day to apply for financial aid or turn in related paperwork is September 2.

Additional Information about UNO

University of Nebraska Omaha is a public institution that was founded in 1908. In the 2026 edition of Best Colleges, University of Nebraska Omaha is ranked No. #301 in National Universities. It's also ranked No. #164 in Top Public Schools. It has a total undergraduate enrollment of 11,756 (fall 2024), its setting is urban, and the campus size is 685 acres. The student-faculty ratio at University of Nebraska Omaha is 15:1, and it utilizes a semester-based academic calendar. University of Nebraska Omaha does not accept the Common Application. Fifty-seven percent of first-year students receive need-based financial aid, and the average net price for federal loan recipients is $12,670. The four-year graduation rate is 27%. Six years after graduation, the median salary for graduates is $45,494.

Payment Information

Avg. Tuition and fees for the fall and spring semesters are payable in full on Sept. 23 (fall semester) and Feb. 23 (spring semester). Each time a student fails to meet a payment due date, a Late Payment Fee will be assessed to the tuition account. Note: Failure to receive the billing notice will not excuse the student from payment responsibility, nor the late payment penalties. UNO accepts major credit cards for payment of tuition and fees online only. Students will be billed at the end of each month through July for their summer registrations. Failure to make payment on an account will prohibit registration for future semesters. The application fee is payable at the time the application for admission form is filed. This fee is non-refundable and does not apply toward tuition or any other fee. Residency for the purpose of assessing tuition is determined by the status of the applicant at the time the application for admission is filed. Tuition rates are established by the Board of Regents. Tuition is subject to change. The audit fee is set at one-half of the resident undergraduate or graduate tuition rate. The audit tuition rate is effective only during the first week of the semester. In addition, students registering for audit must pay all student fees. Registration for audit requires the permission of the instructor and is subject to available class space after credit registration ends. Students who register to take a course for credit and who later change to audit registration will be required to pay the full resident or non-resident tuition rate. Students who drop one or more courses or who completely withdraw will be obligated to the university for that portion of tuition cost based on the refund schedule. Students who completely withdraw are obligated to pay the non-refundable portion of tuition and fees for the course(s) from which they are withdrawing. Only tuition, technology and library per credit fees are refunded. The UPF flat fee is non-refundable. No other fees are refundable after the first week of classes. Trip fees may not be refundable after a certain point. Students are not relieved from the payment of tuition and fees if they withdraw before a tuition due date, or if payment of tuition and fees has been extended by the Office of Financial Support and Scholarships. Department of Education. Courses that run less than ten weeks have unique refund schedules.

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