UO MFT Tuition, Fees, and Financial Aid
Understanding the full cost of the University of Oregon's Couples and Family Therapy (CFT) master's program is essential before you commit. Tuition figures alone do not tell the whole story: mandatory fees, living expenses in Eugene, and available funding sources all shape what you will actually pay out of pocket.
Tuition: In-State vs. Out-of-State
For the 2026-2027 academic year, UO publishes estimated graduate tuition (including mandatory fees) of approximately $20,358 per year for Oregon residents and roughly $35,424 per year for non-residents.1 These figures assume full-time enrollment of 9 to 16 credits per term across three terms (fall, winter, spring). Because the CFT master's program is typically completed in about three years of full-time study, a rough total tuition estimate looks like this:
- In-state (three years): approximately $61,000 to $62,000
- Out-of-state (three years): approximately $106,000 to $107,000
Keep in mind that tuition rates are subject to annual increases, and your actual total will depend on credit load, residency classification, and whether you complete in the standard timeframe.4 Per-credit rates can vary by program and term, so confirm the latest schedule through UO's finance office before budgeting.
Mandatory Fees That Add to the Sticker Price
UO's published tuition figures for 2026-2027 include mandatory institutional fees, but it is worth understanding what those fees cover. Graduate students at UO typically pay charges for health services, the student recreation center, building and technology infrastructure, and the student union.3 These fees are bundled into the annual totals above; however, if you enroll in any online-only courses, expect an additional $25 per credit hour surcharge on top of standard tuition.2 Students sometimes overlook these line items when comparing UO to other programs, so review the detailed fee schedule to avoid surprises. If overall affordability is your primary concern, our guide to cheapest MFT programs provides a broader comparison.
Graduate Teaching Fellowships and Tuition Remission
The single most powerful funding lever at UO is the Graduate Employee (GE) appointment, often called a Graduate Teaching Fellowship (GTF). GE positions are available at multiple levels (I, II, and III), with appointments ranging from 0.20 to 0.49 FTE.3 A GE appointment covers tuition for 9 to 16 credits per term, provides a partial subsidy toward mandatory fees, and includes a health insurance subsidy. Stipend amounts are set through collective bargaining and vary by appointment level and FTE, but they provide a meaningful offset to living costs.
The College of Education and the CFT program itself may offer a limited number of these positions each year. Competition is real, and not every admitted student will receive a fellowship, so treat a GE appointment as a strong possibility rather than a guarantee. Reach out to the CFT program coordinator early to ask about availability and application timelines.
Other Funding Sources
Beyond GE appointments, UO MFT students can tap several additional channels:
- Federal student loans: Completing the FAFSA opens access to Direct Unsubsidized and Grad PLUS loans, which cover tuition and living expenses up to the cost of attendance.
- UO Graduate School scholarships: The Graduate School administers competitive merit awards and diversity scholarships each year.
- AAMFT Minority Fellowship Program: Students from underrepresented backgrounds may qualify for fellowships through the American Association for Marriage and Family Therapy.
- External MFT-specific scholarships: Organizations such as state MFT associations and private foundations periodically offer awards targeted at graduate-level MFT students.
Realistic Cost of Attendance in Eugene
Eugene is considerably more affordable than Portland or many California cities, but it is not inexpensive by national standards. Graduate students should budget roughly $15,000 to $20,000 per year for rent, food, transportation, and personal expenses, though individual spending varies widely. When you combine tuition with living costs, a realistic three-year total cost of attendance falls in the range of:
- In-state with no fellowship: approximately $105,000 to $120,000
- Out-of-state with no fellowship: approximately $150,000 to $170,000
- With a GE appointment (either residency): significantly less, potentially cutting the tuition component by 70 percent or more depending on appointment level
These are broad estimates intended to frame your planning. The financial aid office at UO publishes a detailed cost-of-attendance budget each year, and that document should be your primary reference when building a personal projection.1 Securing a GE position, establishing Oregon residency before your second year, and applying aggressively for scholarships are the three most effective strategies for keeping your total investment manageable.