UOG Loans, Tuition, Costs & More

This is the complete guide to UOG tuition, costs and student loans. If you’re considering University of Guam, you’re likely focussed on that huge, glaring sticker price: $N/A.

If you’re still trying to figure out if you can get into the school, try our college chances calculator for UOG

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    That expensive sticker price can be extremely misleading and does not usually represent the true cost of UOG. The reality is that a huge percentage of students who attend UOG do not pay that number.

    What you are most likely concerned with is what you and your family will pay for University of Guam, which is dependent on a range of factors from family income to state residency.

    Before we get started, if you have any doubts about your ability to afford UOG and are interested in student loans to support your education, the below vendors specifically lend to UOG students - click any of them to learn more about their rates and requirements.

    Now, let’s break down that scary sticker price first.

    How much is UOG tuition?

    The stated tuition for out-of-state students at University of Guam is $12860 while in-state students pay $5804. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending UOG.

    Essentially, tuition is only what you pay to attend classes at UOG. The annual charge of $12860 or $5804 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of UOG is much higher than either of these prices (more on this later).

    At the same time, however, tuition does not take into account factors that can help a student or family afford college, such as scholarships, student loans and grants.

    Therefore, although an important benchmark, the $5804 for University of Guam is likely not a good indicator of what you can expect to pay if you attend the school.

    What is the total cost of UOG?

    If you’re already thinking of this question, you’re one step ahead of us! And you’re on the right track… .The total cost of attending UOG is $N/A and is much more indicative of how much you will pay over the course of one year to attend the school - with one BIG caveat: total cost excludes financial supports that help reduce the cost of attending school, like scholarships at UOG.

    Still, if you do not plan on receiving financial aid, student loans and the like then the University of Guam cost of attendance is the best indicator to consider.

    What does the total cost of UOG include?

    The total cost of UOG includes tuition and other common, material expenses, like textbooks and supplies, room and board, and meal costs, minus the average amount of financial aid and scholarships.

    Importantly, this does not reflect the price you will likely pay based on your income bracket.

    What is the price of room and board at UOG?

    The cost of rooming and dorms at UOG is $1910

    The cost of meals at UOG is $1600.

    UOG does not fully report room and boarding charges.

    How much is UOG out of state tuition?

    Out of state tuition for UOG is $12860.

    How much is University of Guam in state tuition?

    In state state tuition for UOG is $5804.

    How can I afford UOG?

    You should use a variety of financial tools to offset the cost of UOG.

    It’s easy to lose track of all the assets at your disposal, but the most common can be categorized into grants, loans, and scholarships.

    At University of Guam, 0.4739% of students receive a pell grant. Furthermore, 0.2376% of students borrow federal student loans to help pay for the school.

    If you will use student loans to help pay for UOG, these providers below all work with UOG students.

    How much will I pay for UOG?

    This is the million dollar question - literally! UOG students pay a variety of prices to attend the institution, as you already know. A very easy way to determine an average price you can expect to pay is by using your average family income and comparing it to the table below.

    For additional insight, try using the University of Guam net price calculator.

    Family Annual Income Average Net Price for UOG
    $0 - 30,000 7081
    $30,001 - 48,000 9297
    $48,001 - 75,000 11117
    $75,001 - 110,000 11386
    $110,001+ N/A

    How much debt will I graduate with from UOG?

    Beyond the years you plan on spending at University of Guam, the financial repercussions of UOG tuition will stay with you for awhile, especially if you take out loans to finance the education.

    The median debt for students who have completed a degree at UOG is $18000.0. We can break down this number further by household income and student type (see where you might fit in):

    Family Income and Student Types Median Debt from UOG
    $0 - 30,000 Family income 11000.0
    $30,001 - 75,000 Family income 13394.0
    $75,000+ Family income 12000.0
    The median debt for Pell students 12750.0
    The median debt for female students 12500.0
    The median debt for male students 11500.0
    The median debt for first-generation students 12027.0

    Is UOG worth the cost?

    Going to college is an investment, and like all investments, you should look at the ROI of attending University of Guam.

    Luckily, we can provide some insightful data to help determine whether or not UOG is worth the cost by examining what past graduates are earning now.

    The average salary of students who were working six years after graduating from UOG is $25700 (the median is $22800).

    After 8 years, the average salary for UOG graduates is $N/A.

    10 years out, the average salary for UOG graduates is $33300.

    I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether UOG is worth the cost. The real upside of a college degree is that it puts you on a path where your future salary can increase substantially, and it may be hard to achieve that upside without a college degree.

    For example, after graduating from UOG you may get a job where the salary is not too much more than you’d make without a college degree, and you may have taken out a lot of loans to get there!

    However, if you stay in that position for 5 or 10 years, you will likely begin doubling and tripling what you’re making.

    The future earnings potential is going to be much higher if you go to UOG compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.

    How do UOG graduates fare compared to similar schools?

    This is an important question because if you’re considering UOG, you likely have other options on the table.

    Often times, students enroll in the cheapest university available to them. But, as we know from above, this isn’t the whole story.

    For example, you would pay 5% more for a college if you knew the average salary would also be 10% higher, wouldn’t you?

    There’s a lot of reasons why the average salary for UOG students would differ from its peer schools. Perhaps the most popular areas of study align with higher or lower paying careers, or the school has a massive and supportive alumni network.

    Here are just a few related schools to UOG that may be of interest. Click on any one to break down their costs and performance outcomes further.

    How much does UOG cost per semester?

    Assuming there are two semesters at UOG and you are an in-state student, you will pay $2902 per semester. If you are out-of-state, you will pay $6430 per semester.

    How much does UOG cost per year?

    This is effectively the total annual cost of UOG, which is $N/A. However, you can also add room and board, textbooks, and other fees listed above onto that number to better determine how you will really spend in one year of attendance.

    Is it possible to attend UOG for free?

    In theory, yes it is possible to attend UOG for free. If you are a stellar student, you may get a scholarship to cover the entire cost of the education.

    Similarly, if you are a student athlete, you may receive a full scholarship to be on a sports team.

    Unless you are receiving a “full ride” (e.g. full scholarship) to attend UOG, though, it won’t be free. If you take out loans to finance the school, you may pay very little in the near term but all of that money must still be paid off in the long term.

    If you're trying to get in to UOG read about the requirements here