University of
Central Florida
Public Research University in Orlando, FL. Six-year graduation rate 78%. Median 10-year earnings $58,308.
Ten years after entry, the median University of Central Florida student earns $58,308 — a solidly middle-of-the-pack result for an undergraduate institution. The six-year graduation rate of 78% is well above average and the clearest sign this school holds onto its students. Debt at graduation runs to a median of $18,190, neither a bargain nor a burden. It also moves people — 2.6% of students climb from the bottom fifth of the income distribution to the top.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.31 — healthy (below the 0.40 threshold)
- ✓ Graduation rate 78% — well above the national average
- ✓ 3-year loan default 0.0% — below national benchmark
Admissions
Selectivity is real here: only 40% of applicants are offered a place. The applicant pool is large — 61,456 in the most recent cycle — so the published rate reflects genuine competition rather than a small-sample quirk. Yield sits at 34% — the remainder of admitted students enroll elsewhere or not at all. The score bands below cover the middle 50% of the enrolled students who submitted a score — not the whole class, and not a cutoff.
Test score bands (middle 50% of submitters)
These bands describe the enrolled first-years who submitted a score, not the entering class. Where most students apply test-optional the submitters are a self-selected, higher-scoring group.
| Test | 25th–75th percentile | Submitted |
|---|---|---|
| SAT Evidence-Based Reading | 610–680 | 5,690 (71%) |
| SAT Math | 590–670 | |
| ACT Composite | 25–29 | 2,266 (28%) |
IPEDS Admissions · 2024
Apply at University of Central Florida →Academics
Six-year completion runs to 78% — students who start here overwhelmingly finish here. 92% of full-time first-years return for a second year — a healthy figure. Retention and graduation track closely, so most of the attrition shows up in the first year rather than after it. At 28:1, instructor access is thin — worth probing on a campus visit. This is a public four-year university, so read every rate on this page against that peer group specifically.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 59,096 degree- or certificate-seeking undergraduates
Students pay an average of $13,351 annually, well below typical undergraduate net price. Net price swings hard on family income here, from $5,816 at the $0–30k band to $17,681 at $110k+. Grant aid reaches 70% of students at an average of $8,105. Federal borrowing is uncommon here at 23% of students.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 7,226 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $5,816 |
| $30–48k | $7,174 |
| $48–75k | $10,128 |
| $75–110k | $14,902 |
| $110k+ | $17,681 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 13,426 of these 59,096 students, totalling $91,486,042 — an average of $6,814 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Orange County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026
Veterans & GI Bill
VA GI Bill Comparison Tool (Veterans Affairs GIDS)