What Is the Cheapest Online University in the World?

Online education has expanded access to higher learning around the globe, but tuition costs still vary dramatically between institutions. Many students searching for the cheapest online university in the world want a degree that is affordable but still properly accredited for use in the United States.

While some international institutions advertise extremely low tuition, the true cost of an online degree depends on accreditation, financial aid eligibility, and total program structure. Understanding how pricing models work can help you identify which universities genuinely offer the lowest-cost pathway to a recognized degree.

How Much Does an Online University Degree Cost?

The cost of earning a fully online bachelor’s degree in the United States typically ranges from $30,000 to $60,000 at public and private institutions. Tuition varies based on residency, program type, and whether the school charges per credit or per term.

However, a small group of accredited online universities operate with dramatically lower tuition models. Some institutions offer total degree costs that fall closer to the $5,000 to $15,000 range, particularly for students who transfer credits or move quickly through competency-based programs.

What Makes an Online University Affordable?

Affordable online universities often rely on alternative tuition structures that reduce overhead and administrative costs. Subscription-based models, competency-based education, and flat-rate terms can lower overall expenses compared to traditional per-credit pricing.

Accreditation and financial aid eligibility also play a major role in determining real affordability. A low sticker price is only valuable if the degree is recognized by employers and eligible for federal financial aid programs.

Most Affordable Online Universities for U.S. Students

A small number of online universities stand out for offering accredited degrees at a fraction of the typical cost. These schools use innovative tuition models and fully online formats to make higher education more accessible to cost-conscious students.

While no single institution is guaranteed to remain the cheapest forever, the universities below are widely recognized for combining affordability with proper accreditation and academic credibility.

1. University of the People

The University of the People is widely considered the cheapest accredited online university serving U.S. students. It is a nonprofit, tuition-free institution that operates entirely online and offers associate, bachelor’s, and graduate degree programs.

The university is regionally accredited by the WASC Senior College and University Commission (WSCUC), which places it among fully recognized U.S. institutions. Because of this accreditation, eligible students may qualify for federal financial aid, and degrees are more readily accepted by employers and other universities.

University of the People offers programs in fields such as business administration, computer science, health science, and education. Its academic model emphasizes peer assessment, open educational resources, and flexible scheduling, which can be especially appealing to adult learners balancing school with work or family responsibilities.

2. Western Governors University

Western Governors University (WGU) is a private, nonprofit institution known for its competency-based education model. Rather than charging per credit, WGU uses a flat-rate tuition structure per term, which can significantly reduce total costs for students who accelerate their coursework.

The university is regionally accredited by the Northwest Commission on Colleges and Universities (NWCCU), and many of its programs also hold specialized accreditation in fields such as business, nursing, and education. WGU offers fully online bachelor’s and master’s degrees designed for working adults who want flexibility and the ability to move at their own pace.

3. University of Maine at Presque Isle 

The University of Maine at Presque Isle (UMPI) offers an innovative YourPace program that allows students to complete coursework in an accelerated, subscription-style format. This model enables motivated students to finish faster while maintaining the credibility of a public state university degree.

UMPI is regionally accredited by the New England Commission of Higher Education (NECHE), and its programs are eligible for federal financial aid. The university offers fully online bachelor’s programs in areas such as business administration, liberal studies, and criminal justice, making it a strong option for adult learners seeking affordability and flexibility.

4. Fort Hays State University

Fort Hays State University (FHSU) is a public institution recognized for offering some of the lowest online tuition rates among traditional universities. Unlike subscription-based schools, FHSU primarily follows a per-credit pricing model, which can benefit part-time students who prefer a slower pace.

The university is regionally accredited by the Higher Learning Commission (HLC), and many programs qualify for federal financial aid. FHSU provides a wide range of fully online undergraduate and graduate programs in fields such as business, education, and information technology.

5. Thomas Edison State University

Thomas Edison State University (TESU) specializes in serving adult learners and transfer students seeking flexible degree completion pathways. The university allows students to transfer a significant number of previously earned credits, which can substantially lower total tuition costs.

TESU is regionally accredited by the Middle States Commission on Higher Education (MSCHE), and its programs are designed for working professionals. The university offers fully online bachelor’s degrees in business, liberal arts, applied science, and technology-focused disciplines.

6. Brigham Young University–Idaho

Brigham Young University–Idaho offers online degree pathways through BYU-Pathway Worldwide, which provides structured, low-cost access to certificate and bachelor’s programs. The pathway model allows students to earn stackable credentials on the way to completing a full degree.

BYU–Idaho is regionally accredited by NWCCU, and many students qualify for federal financial aid. While the university is affiliated with The Church of Jesus Christ of Latter-day Saints, enrollment is open to students of all backgrounds seeking an affordable online education.

How We Rank Schools

To create this list, we review data from the U.S. Department of Education College Scorecard and the National Center for Education Statistics (NCES), along with program-level details published by each university. Our evaluation focuses on the following criteria:

• Accreditation: Each university holds recognized regional accreditation in the United States, ensuring degrees meet established academic standards.
• Affordability and financial aid: Schools demonstrate consistently low tuition models and offer access to federal financial aid for eligible students.
• Online availability: Degree programs are fully online or designed for remote completion with flexible scheduling options.
• Student outcomes: Graduation rates, transfer flexibility, and institutional reputation are considered when assessing long-term value.

Why International Online Universities May Not Be the Best Option for U.S. Students

Some universities outside the United States advertise extremely low tuition rates, which can make them appear to be the cheapest online universities in the world. However, cost alone does not determine whether a degree will meet professional and academic expectations in the United States.

Accreditation standards differ by country, and not all international institutions hold recognition equivalent to U.S. regional accreditation. Students may also encounter additional expenses such as credential evaluation fees, international payment processing charges, or limited access to U.S. federal financial aid programs.

Language of instruction, transfer credit policies, and employer recognition can further affect the long-term value of an international degree. For many U.S.-based students, choosing a regionally accredited online university within the United States provides clearer pathways to employment, graduate study, and professional licensure.

What Can You Study at Low-Cost Online Universities?

Affordable online universities offer a wide range of undergraduate and graduate programs designed for career-focused students. Many of the lowest-cost institutions concentrate on high-demand fields that translate directly into workforce opportunities. Common areas of study include: 

• business administration
• computer science
• information technology
• education
• health sciences
• criminal justice 
• liberal studies

Some schools also offer stackable certificates that allow students to earn credentials while progressing toward a full degree. While program variety may be narrower at ultra-low-cost institutions compared to large flagship universities, the available degrees often align closely with in-demand industries.

How Long Does It Take to Earn an Online Degree?

The time required to complete an online bachelor’s degree typically ranges from three to four years for full-time students. However, transfer credits, prior learning assessments, and competency-based models can significantly shorten that timeline.

Subscription-based universities allow motivated students to accelerate by completing as many courses as possible within a term. Students who move quickly through coursework may reduce both time to graduation and total tuition costs.

Financial Aid for Affordable Online Universities

Even the cheapest online universities may offer financial aid options to reduce out-of-pocket expenses. Understanding available aid can make low-cost programs even more accessible.

Federal Financial Aid

Regionally accredited universities in the United States typically participate in federal financial aid programs. Eligible students may qualify for grants, federal student loans, and work-study opportunities by completing the Free Application for Federal Student Aid (FAFSA).

Institutional Scholarships

Some affordable online universities provide internal scholarships based on financial need or academic merit. These awards can further lower the overall cost of attendance.

Employer Tuition Assistance

Many employers offer tuition reimbursement programs for employees pursuing accredited degrees. Combining employer assistance with a low-cost university can significantly reduce total educational expenses.

Transfer Credits and Prior Learning

Transferring previously earned credits can shorten the length of a degree program and reduce tuition costs. Some institutions also award credit for military service, professional certifications, or demonstrated competencies.

How To Choose the Right Affordable Online University

Choosing the cheapest online university is not just about finding the lowest advertised tuition. Accreditation, program fit, and long-term outcomes all play an important role in determining overall value. When comparing affordable online universities, consider the following factors:

• Accreditation: Regional accreditation helps ensure your degree is recognized by employers, graduate schools, and licensing bodies. It also affects eligibility for federal financial aid.
• Tuition structure: Subscription-based and competency-based models can lower costs for fast-moving students, while per-credit pricing may suit part-time learners.
• Transfer credit policies: Schools that accept a high number of transfer credits can significantly reduce total time and cost to graduation.
• Program offerings: Make sure the university offers degrees aligned with your career goals rather than choosing a school based on price alone.
• Student support services: Academic advising, tutoring, and career services can affect your ability to complete the program efficiently.

Balancing affordability with academic quality helps ensure that your investment pays off over time. A low-cost degree is most valuable when it supports your professional goals.

Career Outlook With an Affordable Online Degree

Earning a bachelor’s degree, regardless of delivery format, is associated with stronger employment prospects and higher earning potential over time. Data from the U.S. Bureau of Labor Statistics consistently shows that individuals with bachelor’s degrees experience lower unemployment rates than those without college credentials.

Affordable online universities often focus on practical, career-oriented programs that align with in-demand fields such as business, technology, healthcare support, and education. Graduates benefit from earning a recognized credential while minimizing student loan debt, which can improve long-term financial stability.

FAQs About the Cheapest Online Universities

Students exploring low-cost online education often have questions about quality, recognition, and long-term value. The following answers address common concerns for U.S.-based learners.

Is the Cheapest Online University Accredited?

The lowest-cost reputable online universities serving U.S. students hold regional accreditation. This type of accreditation is widely recognized by employers and other colleges. Accreditation also affects eligibility for federal financial aid programs.

Are Degrees From Low-Cost Online Universities Respected by Employers?

Employers typically focus on accreditation and job-relevant skills rather than tuition cost. Degrees from regionally accredited institutions are generally treated the same regardless of price. Program relevance and experience often matter more than where the degree was earned.

Is an Affordable Online University a Good Choice for Adult Learners?

Low-cost online universities are often designed with adult learners in mind. Flexible scheduling and self-paced formats help students balance work, family, and education. These features make affordable programs especially appealing for working professionals.

Can I Transfer Credits to a Low-Cost Online University?

Many affordable online universities accept transfer credits from regionally accredited institutions. Generous transfer policies can significantly reduce time to graduation. Each school sets its own limits, so reviewing transfer guidelines is important.

Is the Cheapest Online University Always the Best Option?

The cheapest option is not always the best fit for every student. Program availability, support services, and career alignment should factor into your decision. Comparing multiple affordable schools helps ensure you choose the best overall value.

Explore Affordable Online Universities

Choosing the cheapest online university can help you earn a recognized degree while keeping education costs under control. Learn.org makes it easy to explore accredited online universities and compare programs that fit your budget, goals, and schedule.