For the 2014–15 School Year, in-state tuition at USAO was $170/credit hour.[44] Full-time students who are enrolled in 12-18 credit hours are charged a flat rate equivalent to 15 credit hours of tuition, which totals $3,135 per semester.[44][45] The flat-rate tuition plan is intended to encourage students to complete their degrees in four years.[46] Students may also opt for a locked $195/credit hour tuition rate, which is guaranteed to remain the same throughout their next four years of college attendance.[44][47] Out-of-state tuition is calculated based on the current in-state tuition rate plus an additional $298/credit hour.[44] In the 2013-2014 school year, 85% of USAO students received some form of financial aid.[48] 79% of the Fall 2014 entering freshman class received scholarships from USAO.[48]