Howard Payne University's published cost of attendance is $46,766. Need-based financial aid reshapes that figure across income levels: low-income families pay approximately $24,043, middle-income families pay around $25,917, and higher-income families pay approximately $24,182.
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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) | $46,766 |
| Tuition and Fees | $34,982 |
| Room and Board | $10,200 |
| Books and Supplies | $1,500 |
| Average Financial Aid (Grants and Scholarships) | -$23,139 |
| Average Net Price (What Families Pay) | $23,627 |
| Family Income | Net Price |
|---|---|
| $0–30k | $24,043 |
| $30–48k | $21,423 |
| $48–75k | $25,917 |
| $75–110k | $23,412 |
| $110k+ | $24,182 |
Howard Payne University's published cost of attendance is $46,766. Need-based financial aid reshapes that figure across income levels: low-income families pay approximately $24,043, middle-income families pay around $25,917, and higher-income families pay approximately $24,182. Azimuth ranks Howard Payne University #970 for post-graduation affordability among nonprofit four-year institutions. Net prices by income band are medians within those bands; individual aid packages vary, so some families in each band pay more and some less than the figures shown. Howard Payne University participates in federal need-based aid programs, including Pell Grants and Direct Loans, alongside institutional aid. The university's aid structure is need-based, with families applying through the FAFSA to determine eligibility and aid packages. Median federal student loan debt at graduation is $26,793, and families using Parent PLUS borrow a median of $21,127; private or institutional loans may add further borrowing that falls outside these federal-only figures — see the Parent PLUS risk framework for how household context shapes PLUS decisions. For a graduate at the institution's median four-year earnings of $50,567, median federal debt of $26,793 projects to a monthly payment of about $303 under standard ten-year repayment. For personalized projections across earnings scenarios — including Parent PLUS planning — use .
How much students borrow and whether debt is manageable given outcomes.
Debt-to-earnings data not available.
How cost compares to graduate earnings and value added.
Graduates of Howard Payne University earn median 4-year earnings of $50,567, placing Howard Payne University in the 10.7 percentile for median earnings four years after enrollment among nonprofit four-year institutions. That figure runs below the $57,042 median at comparable institutions. Graduates earn about $10,441 less than similar students at comparable institutions, placing Howard Payne University in the 19.8 percentile for earnings beyond expectations among nonprofit four-year institutions. Those figures represent lifetime returns relative to TX's no-degree-equivalent earnings baseline of $31,626. Education is the dominant program family at Howard Payne, reflecting the university's historical mission and enrollment patterns. Business Administration is the largest program with 14 graduates earning median 4-year earnings of $54,795, at 0.8x the national benchmark for the field. The Subject-Specific Teacher Education program graduates 12 students with median 4-year earnings of $56,101, and Teacher Education and Kinesiology round out the top programs by enrollment. The concentration in education-aligned fields shapes the institution's overall earnings profile, with outcomes anchored in stable, in-demand career pathways that support long-term financial stability for graduates pursuing teaching and related professions.
