Texas A&M's published cost of attendance reaches $32,085 annually, including $40,328 in out-of-state tuition (or $13,099 for Texas residents), $13,154 for room and board, and $900 for books and supplies. However, the average student pays just $20,924 after financial aid, representing savings of $11,161 from the sticker price.
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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) | $32,085 |
| Tuition and Fees | $40,328 |
| Room and Board | $13,154 |
| Books and Supplies | $900 |
| Average Financial Aid (Grants and Scholarships) | -$11,161 |
| Average Net Price (What Families Pay) | $20,924 |
| Family Income | Net Price |
|---|---|
| $0–30k | $12,273 |
| $30–48k | $12,597 |
| $48–75k | $18,685 |
| $75–110k | $26,336 |
| $110k+ | $29,548 |
Texas A&M's published cost of attendance reaches $32,085 annually, including $40,328 in out-of-state tuition (or $13,099 for Texas residents), $13,154 for room and board, and $900 for books and supplies. However, the average student pays just $20,924 after financial aid, representing savings of $11,161 from the sticker price. At $20,924, the average net price sits $5,334 higher than the peer median of $15,590, indicating costs above typical public research universities but still substantially below the full cost of attendance.
The net price varies significantly by family income, ranging from $12,273 for families earning under $30,000 to $29,548 for families earning over $110,000. This $17,275 spread demonstrates Texas A&M's progressive financial aid structure that concentrates support toward lower-income families while requiring higher-income families to pay closer to full costs. The substantial gap between sticker price and net cost reflects the university's commitment to making education accessible despite higher published prices, with financial aid effectively reducing costs for most students while maintaining revenue from full-pay families.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Texas A&M graduates carry manageable debt levels that support long-term financial stability. Median debt reaches $17,804, ranking in the 80th percentile for low debt nationally and sitting $2,196 below the peer median of $20,000.
Debt ranges from $7,207 at the 25th percentile to $24,500 at the 75th percentile, indicating most students avoid extreme borrowing levels while accessing degree completion support when needed. The debt-to-earnings ratio of 0.25 indicates that typical graduates earn $4 for every $1 of debt, representing a sustainable balance that supports loan repayment without constraining post-graduation financial flexibility.
Parent PLUS borrowing averages $30,000 with monthly payments of $395, providing additional family financing options though requiring careful consideration of repayment capacity. The combination of below-peer debt levels, strong earnings outcomes, and favorable debt-to-earnings ratios indicates that Texas A&M graduates enter the workforce with manageable financial obligations that do not undermine their ability to achieve long-term economic goals.
How cost compares to graduate earnings and value added.
Texas A&M represents a strong educational investment that balances costs with exceptional long-term returns. Graduates earn $6,494 beyond expectations relative to similar students, ranking in the 78.3rd percentile nationally and demonstrating clear value creation through the educational experience.
With median earnings of $72,097 compared to debt of $17,804, graduates achieve a favorable 4:1 earnings-to-debt ratio that supports financial stability and career flexibility. Compared to peer institutions, graduates earn $11,554 more annually while borrowing $2,196 less, creating a compelling value proposition for educational investment.
The return on investment percentile of 91% places Texas A&M among top-performing institutions for long-term financial returns, indicating that higher net prices translate into proportionally stronger career outcomes. Net prices above peer medians are offset by substantially stronger earnings performance, creating positive net returns that justify higher educational investment.
Texas A&M's financial aid profile reflects a commitment to access across economic backgrounds while maintaining revenue sustainability. The university enrolls 19.2% Pell-eligible students, indicating substantial enrollment of lower-income students despite costs above peer medians.
The $11,161 average financial aid savings demonstrates meaningful support, though the net price of $20,924 remains higher than many public research universities. Aid concentration heavily favors lower-income families, with families earning under $48,000 paying roughly $12,000-$13,000 annually while upper-income families approach $30,000.
This structure enables Texas A&M to maintain accessibility for lower-income students while generating revenue from families with higher ability to pay. The substantial aid for families earning under $75,000 suggests that middle and lower-income students receive meaningful support, though middle-income families may experience affordability challenges relative to public university alternatives.
