I got some clarification from OU on this. Their website says for OOS to assume $7800 for year 1 and $9000 for years 2-4. I couldn’t figure out why it goes up only $1200 when you lose the $4200 housing award (which is for year 1 only). The answer (as I learned when I contacted OU) is that they assume that, after year 1, you will move from Walker ($10,280/yr for room & board) to OU’s Tradition Sq. Apartments (est. $7200/yr for rent & food). If you want to stay in dorms or the new residential colleges, I am estimating that year 2-4 costs are probably more like $12-14k/yr (that’s my estimate, based on housing info on web site). If you use the 5th year tuition waiver, you will need to add another $6750, since the OAS and national merit stipends are only for 4 years. It’s still a good deal, but it doesn’t sit well with me that it is so hard to figure this out.