Texas A & M University-Commerce delivers exceptional affordability through controlled costs and substantial financial aid. The published cost of attendance is $23,663 annually, including $10,026 in-state tuition, $9,808 for room and board, and $1,202 for books and supplies.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $23,438 |
| Tuition and Fees | $22,326 |
| Room and Board | $10,634 |
| Books and Supplies | $1,152 |
| Average Financial Aid (Grants and Scholarships) | -$11,597 |
| Average Net Price (What Families Pay) | $11,841 |
| Family Income | Net Price |
|---|---|
| $0–30k | $9,709 |
| $30–48k | $10,346 |
| $48–75k | $12,067 |
| $75–110k | $17,230 |
| $110k+ | $20,005 |
Texas A & M University-Commerce delivers exceptional affordability through controlled costs and substantial financial aid. The published cost of attendance is $23,663 annually, including $10,026 in-state tuition, $9,808 for room and board, and $1,202 for books and supplies. However, the average student pays just $11,268 after financial aid, representing $12,395 in savings from the sticker price.
This net cost sits $2,825 below the peer median of $14,093, positioning Texas A & M University-Commerce as well above average for affordability. The substantial gap between published and actual costs reflects the university's commitment to making education accessible through need-based aid and institutional support. Financial aid effectiveness ranks at the 84.8th percentile nationally, indicating exceptional performance in reducing student costs relative to similar institutions.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Student debt levels at Texas A & M University-Commerce remain manageable relative to earnings outcomes and peer institutions. Median debt reaches $20,500 for borrowing students, just $605 above the peer median of $21,105 but well below many regional universities.
Debt levels range from $6,000 at the 25th percentile to $25,000 at the 75th percentile, indicating controlled borrowing across diverse financial circumstances. The debt-to-earnings ratio of 0.41 falls within manageable ranges, meaning typical graduates can expect debt payments consuming roughly 5-10% of income.
Parent PLUS borrowing averages $13,104 with monthly payments of $173, representing supplemental family borrowing at reasonable levels. Compared to peer institutions with median debt of $21,105, Texas A & M University-Commerce maintains slightly higher borrowing levels while delivering comparable earnings outcomes.
How cost compares to graduate earnings and value added.
Texas A & M University-Commerce delivers solid return on educational investment through controlled costs and earnings beyond expectations. Graduates earn $3,942 beyond expectations relative to similar students, ranking at the 70.6th percentile nationally for added value.
Median earnings of $50,296 combined with debt levels of $20,500 create a favorable debt-to-earnings ratio of 0.41, supporting reasonable repayment timelines. The institution's $180 earnings advantage over peer medians, combined with comparable debt levels, indicates positive value creation relative to similar universities.
Net costs $2,825 below peer medians enhance the value proposition, particularly for families prioritizing affordability alongside solid career preparation. The mobility index ranking at the 88.8th percentile demonstrates the university's effectiveness in converting educational access into economic advancement, particularly for first-generation and lower-income students.
Texas A & M University-Commerce serves 40.5% Pell-eligible students, well above many regional universities, indicating strong commitment to lower-income access. The $12,395 average aid package reduces the $23,663 published cost to just $11,268 net price, representing a 52% cost reduction through financial assistance.
This aid effectiveness places the institution at the 84.8th percentile nationally for affordability performance. The progressive aid structure concentrates resources on students with the greatest financial need, with families earning under $48,000 paying less than $9,000 annually.
Aid targeting extends beyond federal programs to include institutional grants and scholarships that supplement Pell grants and state aid. The financial aid profile supports the university's role as a mobility engine, enabling students from diverse economic backgrounds to access higher education without prohibitive debt burdens.
