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Cost & financial aid brief

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# Texas A & M International University Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/texas-a-m-international-university/)Cost & aid[Outcomes](/school/texas-a-m-international-university/outcomes/)[Admissions](/school/texas-a-m-international-university/admissions/)[Majors](/school/texas-a-m-international-university/majors/)[Similar schools](/school/texas-a-m-international-university/similar/)

**On this page**+

## How much does Texas A & M International University cost after financial aid?

Texas A & M International University publishes a cost of attendance of $15,558 (an average). In-state tuition and fees are $7,894, and room and board are $10,826.

Out-of-state students face tuition and fees of $19,454. After financial aid, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients drops to $3,637, a savings of $11,921 against the sticker price.

Aid covers about 77% of the published cost for the average aid recipient. That average net price is below the peer median of $14,068 for comparable institutions (same type and size) by $10,431.

Azimuth ranks the university #25 for affordability among nonprofit four-year institutions.

After grants and scholarships, aid recipients at Texas A & M International University pay far less than at comparable institutions. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $3,637, $10,431 below the median for comparable institutions (same type and size).

Azimuth ranks the university #25 for affordability among nonprofit four-year institutions. That places the affordability pillar in the 98th percentile.

Aid recipients in the lowest income band pay an average of $3,097, while those in the highest band pay $10,697. Borrowers who finish hold a median of $15,000 in federal loans, $6,229 below the peer median of $21,229.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band vary across income levels. For families earning under $30,000 the average net price is $3,097; for $30,001–$48,000 it is $2,745; for $48,001–$75,000 it is $3,840; for $75,001–$110,000 it is $4,982; and for families earning over $110,000 it is $10,697.

Pell Grant recipients make up 64.5% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $7,600.

Average net price by family income

**$0–30K**
$3,097

**$30–48K**
$2,745

**$48–75K**
$3,840

**$75–110K**
$4,982

**$110K+**
$10,697

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$3,637**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The sticker-to-net gap at Texas A & M International University is $11,921, reflecting aid that concentrates on families with lower incomes. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for the under-$30,000 band is $3,097, compared with $10,697 for families earning over $110,000, a spread of $7,600.

Between those extremes, the $30,001–$48,000 band averages $2,745, the $48,001–$75,000 band averages $3,840, and the $75,001–$110,000 band averages $4,982. Aid covers about 77% of the published cost for the average aid recipient, for an overall average net price of $3,637.

The lowest-band average sits well below that overall figure, a pattern that coincides with larger discounts flowing to lower-income families.

Texas A & M International University publishes an average cost of attendance of $15,558. In-state tuition and fees are $7,894, and room and board is $10,826.

After aid, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) — what aid recipients pay after grants and scholarships — is $3,097 for families earning under $30,000, $3,840 for the $48,001–$75,000 band, and $10,697 for families earning over $110,000. The spread between the lowest and highest bands is $7,600.

Azimuth ranks the university #25 for affordability among nonprofit four-year institutions. Aid covers about 77% of the published cost for the average aid recipient, a savings of $11,921 against the sticker price.

The average net price across all aid recipients is $3,637, which sits below the peer median of $14,068 for comparable institutions (same type and size) by $10,431. Out-of-state students face a higher published tuition of $19,454, though the net price figures here are on an in-state basis.

Among federal-loan borrowers who completed, the median federal student debt is $15,000, with about 55.1% of federal aid recipients taking federal loans. That debt is below the peer median of $21,229 for comparable institutions by $6,229.

The median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $8,721. If repaid over ten years, the median federal debt corresponds to an estimated payment of $170 a month.

## Student loans: what does repayment look like?

At Texas A & M International University, 55.1% of federal aid recipients take out federal loans. Borrowers who complete hold a median federal debt of $15,000.

That median is below the $21,229 level for comparable institutions (same type and size) by $6,229. For parent borrowers, a separate population, the median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) loan is $8,721.

The median federal student debt at Texas A & M International University is $15,000, which is below the $21,229 median for comparable institutions (same type and size). If repaid over ten years, that debt corresponds to an estimated monthly payment of $170.

Four years after completion, graduates earn a median of $50,288, a figure in the 18th percentile among nonprofit four-year institutions. Graduates earn about $3,706 less than the model expects for similar students, an outcome in the 41st percentile nationally.

Earnings scenarios, derived from the university's program mix, range from a downside of $40,998 to an upside of $69,501, with $50,288 as the typical outcome.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $8,721. The estimated monthly student payment if repaid over ten years is $170.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$8,721

**Estimated parent payment**
$111/mo

Modeled Parent PLUS pressure by income

| Income | Risk level |
| --- | --- |
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Safe |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |

The model holds the parent balance fixed and varies parent income. [Read the assumptions and limits](#cost-data-notes).

## Student and parent loans: the monthly payments

Financial GPS

### What does repayment look like?

**Institution median student debt**
$15,000

**Institution Parent PLUS debt**
$8,721

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$170/mo

**Estimated Parent PLUS payment · monthly**
$111/mo

**Modeled student + parent payments**
$281/mo

Payments use school-wide median balances, not a specific major’s.

#### Student payment as a share of available income

At median graduate earnings of $50,288, with a $22,590 annual allowance for basic expenses:

**7.4%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  High risk Over 20%

How this estimate works

These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.

[Read the framework and its limits](/analysis/financial-gps-framework/).

Payment assumptions

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=texas-a-m-international-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), founder of College Azimuth.

Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.

Figure notes link to sources and limitations. [About College Azimuth](/about/).

**Net price and borrowing.** The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. [College Scorecard data and documentation](https://collegescorecard.ed.gov/data/).

A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.