Cost & financial aid brief
Texas A&M University-College Station Tuition, Costs & Financial Aid
How much does Texas A&M cost after financial aid?
The published cost of attendance at Texas A&M University-College Station is $32,696. The average aid recipient pays a net price of $21,315 — an offset of $11,381 that means aid covers about 35% of the sticker total.
That average masks a steep gradient across family-income bands. Families earning under $30,000 face an average net price of $12,784, while the $30,001–$48,000 band averages $13,317 and the $48,001–$75,000 band averages $17,435.
The price moves to $26,520 for the $75,001–$110,000 band and reaches $30,660 for families earning over $110,000. The spread between the lowest and highest bands is $17,876, a pattern that concentrates the largest discounts on the lowest-income families.
In its 2025-26 Common Data Set, the university reported that for the 2025-26 academic year the average need-based grant among first-year recipients was $14,880. The average need-based aid package in that same report was $20,717.
The institution met an average of 71% of need for aided students. Among the 4,703 first-year students determined to have need, 1,057 had their need fully met.
For the 2025-26 academic year, 1,565 first-year students received merit awards averaging $4,751.
Texas A&M University-College Station publishes a cost of attendance of $32,696, with in-state tuition at $13,154 and out-of-state tuition at $40,124. For families earning under $30,000, the average net price is $12,784, while families in the $48,001–$75,000 band see an average net price of $17,435.
For families earning over $110,000, the average net price is $30,660. Azimuth ranks the university #576 for affordability among nonprofit four-year institutions.
Financial aid reduces the sticker price by an average of $11,381, bringing the average net price for first-time full-time aid recipients to $21,315. That figure is above the median of $15,634 for comparable institutions (same type and size), a gap of $5,681.
In-state tuition and fees are $13,154, and the published room and board charge is $13,008. The median federal student debt at completion is $17,804.
That median is below the peer median of $20,076 for comparable institutions, a difference of $2,272. About 80.5% of federal aid recipients borrow federal loans.
Median Parent PLUS borrowing stands at $32,258. If repaid over ten years, the estimated monthly payment for a graduate with the median federal debt is $202.
For personalized scenarios that include Parent PLUS, the Financial GPS tool offers a closer look.
Student loans: what does repayment look like?
Federal-loan borrowers who complete a degree at Texas A&M University-College Station carry a median debt of $17,804. This median sits below the $20,076 median at comparable institutions (same type and size) by $2,272.
80.5% of federal aid recipients take federal loans. The median Parent PLUS loan is $32,258 for a separate parent-borrower population.
In its 2025-26 Common Data Set, the university reported that 36% of graduates borrowed from any source, with an average cumulative principal of $27,831 per borrower. Among all graduates, 34% held federal loans averaging $17,548, and 9% held private loans averaging $38,272; these groups overlap.
Graduates of Texas A&M University-College Station earn about $9,644 more than expects for similar students, an outcome in the 82nd percentile among nonprofit four-year institutions. The median earnings four years after completion reach $76,234, which lands in the 85th percentile nationally.
Earnings scenarios derived from the university's program mix suggest a typical earnings level of $76,234, with a downside scenario of $55,820 and an upside scenario of $106,949. The median federal debt at completion is $17,804, which runs below the $20,076 median for comparable institutions (same type and size). If repaid over ten years, the estimated monthly payment is $202.
Median Parent PLUS borrowing, a separate parent-borrower population, is $32,258. The estimated monthly student payment if repaid over ten years is $202.
For a personalized family cost analysis, use the Financial GPS tool.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $32,258
- Estimated parent payment
- $410/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Federal student and Parent PLUS borrowing figures do not capture all private education loans. A federal balance therefore should not be described as a family’s complete borrowing total.
Annual loan awards in a Common Data Set, when available, answer a different question from accumulated borrower debt. Compare amounts only after identifying the loan type, reporting period and population; annual school-wide awards cannot be added to a median borrower balance.
Data & methodology
A missing figure does not mean zero. Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, 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.
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.
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.