University of Wisconsin-Oshkosh
Oshkosh, Wisconsin · Public · 86.5% acceptance rate
ROI Score: 64/100 · Fair Value
Data: 2024-25 College Scorecard release
University of Wisconsin-Oshkosh scores 64 (Fair Value) on the CampusROI scale. Low in-state tuition of $8,532 and a $14,305 net price make it accessible, but a 46.1% completion rate drags outcomes significantly - fewer than half of enrolled students earn a degree. Debt-to-earnings ratio of 0.567 is moderate. The repayment rate of 83.3% at three years is reasonable and suggests graduates who do complete are managing their debt. Nursing is the volume and earnings leader: 287 graduates, $71,633 year one, $77,490 at four years, B+-grade ROI. Finance (88 graduates, $58,085 year one), Accounting (31 graduates, $60,885 year one), and Business Administration (66 graduates, $57,809 year one) all post B-grade ROIs. SAT data is not reported by the Scorecard for UW-Oshkosh; ACT composite 18-25 describes the middle half of admitted students. The program mix at UW-Oshkosh is broad, and outcomes diverge sharply by field - Radio/TV earns $26,494 year one with a D-grade; Teacher Education ranges from C-grade to D-grade; Psychology (78 graduates) earns $35,139 year one with a D-grade. The 46.1% completion rate is the central risk and means the institutional ROI score understates the return for those who actually complete.
University of Wisconsin-Oshkosh
Quick Numbers
| In-state tuition + fees | $8,532/yr |
| Out-of-state tuition + fees | $16,446/yr |
| Average net price | $14,305/yr |
| Total 4-year cost (net) | $57,220 |
| Median earnings (10yr post-entry) | $55,548 |
| Average earnings (6yr post-entry) | $37,900 |
| Median debt at graduation | $21,500 |
| Estimated monthly loan payment | $228 |
| Estimated payback period | 9.6 years |
| 6-year graduation rate | 46.1% |
| Undergraduate enrollment | 6,877 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $8,532/year ($16,446/year out-of-state), which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $14,305/year, or roughly $57,220 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $9,236/year here, while families earning over $110,000 pay $19,223/year.
Among graduates who borrowed, the median federal loan debt from this school is $21,500, which works out to about $228 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($37,900) and comes to 0.57, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $9,236 |
| $30,001 - $48,000 | $9,654 |
| $48,001 - $75,000 | $11,601 |
| $75,001 - $110,000 | $16,853 |
| $110,001+ | $19,223 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
The 0-30000 income bracket pays $9,236 per year - a low net price. Four-year total cost of roughly $36,944 makes UW-Oshkosh affordable for low-income students. The ROI case is straightforward for nursing and business completers. The 46.1% completion rate means low-income students should have deliberate support plans in place; incomplete degrees leave debt without a credential.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $11,601 and the 75001-110000 bracket pays $16,853. These remain low net prices that support positive returns for degree completers in health and business fields. Middle-income families can achieve strong value at UW-Oshkosh if their student selects a high-earnings program and completes the degree.
Higher-income families ($110K+)
Families earning $110,000+ pay $19,223 per year - roughly $77,000 over four years. At a 9.6-year payback and $37,900 average earnings, even full-pay is not burdensome in absolute terms. Engineering-equivalent or nursing-track graduates face a very short payback.
Earnings by Major
Top 10 most popular majors at University of Wisconsin-Oshkosh with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Registered Nursing | $77,490 | B+ |
| Teacher Education | $45,902 | C |
| Finance and Financial Management | $79,927 | B |
| Biology | $53,507 | C |
| Psychology | $51,721 | D |
| Marketing | $69,383 | B |
| Business Administration, Management, and Operations | $79,228 | B |
| Criminal Justice and Corrections | $58,489 | C |
| Teacher Education, Subject-Specific | $49,676 | C |
| Special Education and Teaching | $47,828 | C |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Registered Nursing
Nursing is UW-Oshkosh's anchor program: 287 graduates, $71,633 year one, $77,490 at four years, B+-grade ROI (debt-to-earnings 0.349, median debt $25,000). The graduation volume is high - 287 nurses is significant for a regional school - and the year-one earnings reflect solid Wisconsin healthcare market wages. Nursing at UW-Oshkosh against a $14,305 net price is a strong cost-to-earnings ratio.
Accounting
Accounting (31 graduates) earns $60,885 year one and $79,217 at four years - B-grade ROI (debt-to-earnings 0.354, median debt $21,541). The four-year trajectory to $79,217 reflects advancement into senior accountant and CPA-eligible roles. Accounting at UW-Oshkosh produces competitive outcomes for public accounting and corporate finance in Wisconsin. The low debt load against year-one earnings makes this one of the institution's cleaner ROI programs.
Finance and Financial Management
Finance (88 graduates) earns $58,085 year one and $79,927 at four years - B-grade ROI (debt-to-earnings 0.414, median debt $24,065). The volume-to-outcome combination is solid for a regional public. Graduates entering banking, insurance, and financial services in Green Bay, Milwaukee, and Chicago produce earnings that service modest debt levels well.
Teacher Education
Teacher Education (98 graduates) earns $44,453 year one and $45,902 at four years - C-grade ROI (debt-to-earnings 0.607, median debt $27,000). Teacher salaries in Wisconsin are constrained by state collective bargaining environments, and the near-flat trajectory from year one to year four reflects slow salary progression. At a $14,305 net price, the debt load is manageable but the earnings trajectory is weak. Students entering education should understand that modest Wisconsin teacher salaries limit long-run financial flexibility.
Psychology
Psychology (78 graduates) earns $35,139 year one and $51,721 at four years - D-grade ROI (debt-to-earnings 0.740, median debt $26,000). Year-one earnings of $35,139 reflect entry-level human services, social work adjacent, and mental health technician roles that require graduate credentials for full licensing. Psychology at a regional public with a 46% completion rate and these outcomes is a high-risk choice for students who do not intend to pursue graduate education.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 78.5% | 68.8% |
| 3-year repayment | 83.3% | 73.6% |
| 5-year repayment | 77.5% | 67.7% |
| 7-year repayment | 82.2% | 72.8% |
Completion Rate
Trends Over Time
How University of Wisconsin-Oshkosh’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 86.5% |
| ACT Composite (25th-75th) | 18-25 |
| Enrollment | 6,877 |
| Pell Grant recipients | 16.1% |
| Avg faculty salary (monthly) | $8,888 |
At 86.5% admission, UW-Oshkosh is broadly accessible. SAT data is not reported in the Scorecard; ACT 18-25 mid-range is the available indicator. The institution does not screen heavily on academic credentials, which shifts risk from admission to completion. Students who enter without clear program intentions or without a realistic plan for balancing work and school face the highest completion risk.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University of Wisconsin-Oshkosh (this school) | 64 | $14,305 | $55,548 |
| University of Wisconsin-Eau Claire | 72 | $16,550 | $58,561 |
| Louisiana Tech University | 64 | $11,864 | $52,279 |
| University of Wisconsin-Whitewater | 64 | $14,158 | $55,356 |
| Stockton University | 62 | $20,670 | $57,602 |
| Empire State University | 61 | $11,676 | $54,080 |
Who Thrives Here
UW-Oshkosh admits 86.5% of applicants. ACT composite is 18-25. Enrollment is 6,877. The commuter-friendly campus serves northeastern Wisconsin students who often balance work and family alongside coursework, contributing to the completion challenge. Students in nursing, business, or finance who commit to degree completion have solid outcomes relative to the low net price.
The Verdict: A Reasonable Bet - With Caveats
University of Wisconsin-Oshkosh is a fair-value bet, but how well it pays off depends a lot on you. At $14,305 a year after aid ($57,220 over four years), with the typical graduate earning $55,548 a decade out, the cost takes about 9.6 years to earn back. For context, the median payback across the schools we score is about 12 years.
What it has going for it: a strong earnings premium over high school graduates, high loan repayment success. What to keep an eye on: its 46.1% graduation rate.
Median debt of $21,500 among graduates who borrowed, against average earnings of $37,900 six years after entry, gives a debt-to-earnings ratio of 0.57, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
University of Wisconsin-Oshkosh: Common Questions
Is University of Wisconsin-Oshkosh worth it?
In our view, it's a fair-value bet - whether University of Wisconsin-Oshkosh is worth it depends a lot on your major and aid package. It scores 64/100 on our ROI scale. At $14,305 a year after aid ($57,220 over four years) against $55,548 in typical earnings a decade out, the cost takes about 9.6 years to earn back. For context, the median payback across the schools we score is about 12 years.
How much does University of Wisconsin-Oshkosh cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $14,305 a year, or roughly $57,220 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do University of Wisconsin-Oshkosh graduates earn?
The typical graduate earns about $55,548 ten years after enrolling, roughly $13,748 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off University of Wisconsin-Oshkosh?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 9.6 years for University of Wisconsin-Oshkosh. The median across the schools we track is about 12 years.
How much debt do University of Wisconsin-Oshkosh graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $21,500, against average earnings of $37,900 six years after entry - a debt-to-earnings ratio of 0.57. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at University of Wisconsin-Oshkosh?
The six-year graduation rate is 46.1%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.