Financial Aid

How is a College of the Ozarks student able to graduate “debt-free?”

The College of the Ozarks’ ‘financial aid program’ allows all students the opportunity to graduate college debt free using this simple formula:
Work Program + Federal and State Grants + College of the Ozarks “Cost of Education” Scholarship = Your Annual Cost of Education!

Each College of the Ozarks student participates in the on-campus work study program for 15 hours per week and two 40-hour work weeks per school year. Credits from participation in the work program, plus any federal and/or state aid for which students qualify, plus a College of the Ozarks "Cost of Education" Scholarship all combine to meet each student’s full Cost of Education. Please note that "Cost of Education" is the cost to provide academic courses for students and does not include room and board.

The College discourages students from having to take out loans to pay for the cost of education, and generous donors who believe in what College of the Ozarks represents and in the hard work of its students, make regular financial contributions, enabling the College to provide “Cost of Education“ scholarships in exchange for work on campus. If students qualify for Federal or Missouri state aid or grants, those amounts are applied to the cost of tuition as well. Any remaining balance is covered by a College of the Ozarks “Cost of Education“ Scholarship for each student! Overall, the College of the Ozarks believes that $0 is the balance due for the cost of a college education!

Additional college expenses such as room and board and other charges incurred by students can be found on the "Costs" webpage.

Below are links to other financial aid resources and information as they pertain to C of O’s “tuition-free” education opportunity:

FAFSA and Resource Information

Graduate Debt Free


Tax Information

Financial Aid Policies

Financial Aid FAQs

Net Price Calculator


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