1.  [College research](/)
2.  /
3.  [Texas A&M University-College Station](/school/texas-a-m-university-college-station/)
4.  /
5.  Cost & financial aid brief

Cost & financial aid brief

Copy linkPrint brief

# Texas A&M University-College Station Tuition, Costs & Financial Aid

Updated September 27, 2026

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

**On this page**+

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

Texas A&M University-College Station publishes a cost of attendance of $32,696. In its 2025-26 Common Data Set, the university reported sticker charges of $36,877 for out-of-state tuition, $3,970 in required fees, and $12,944 for on-campus food and housing.

Estimated books and supplies add $882, transportation $1,692, and other expenses $3,252. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $21,315, an offset of $11,381 from the sticker total.

That figure runs above the peer median of $15,634 for comparable institutions (same type and size) by $5,681. Azimuth ranks the university #576 for affordability among nonprofit four-year institutions.

Among nonprofit four-year institutions, the affordability pillar at Texas A&M University-College Station sits at the 59th percentile. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for first-time, full-time aid recipients is $21,315, which is above the median of $15,634 for comparable institutions (same type and size) by $5,681.

For families earning under $30,000, the average net price is $12,784; for those earning over $110,000, it is $30,660. Completers who borrowed federal loans carry a median debt of $17,804, a balance that is below the median of $20,076 for comparable institutions (same type and size) by $2,272.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band start at $12,784 for families earning under $30,000, move to $13,317 for the $30,001–$48,000 band, $17,435 for $48,001–$75,000, $26,520 for $75,001–$110,000, and reach $30,660 for families earning over $110,000. Pell Grant recipients make up 19.6% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $17,876.

Average net price by family income

**$0–30K**
$12,784

**$30–48K**
$13,317

**$48–75K**
$17,435

**$75–110K**
$26,520

**$110K+**
$30,660

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$21,315**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The published cost of attendance at Texas A&M University-College Station is $32,696. The average aid recipient pays a [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/financial-gps-framework/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/financial-gps-framework/).

Financial GPS

### What does repayment look like?

**Institution median student debt**
$17,804

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

**Estimated student payment · monthly**
$202/mo

Student and parent loans are separate debts. Payments use school-wide median balances, not a specific major’s.

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

At median graduate earnings of $76,234, with a $22,590 annual allowance for basic expenses:

**4.5%** of income above the allowance · Excellent

1.  Excellent Under 8%**▲**
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  High risk Over 20%

How this estimate works

The income spectrum compares the estimated student payment with the income left after the selected annual expense allowance. Changing the earnings scenario or allowance changes that comparison; parent payments are not included in this calculation.

The earnings choices are planning scenarios, not observed earnings percentiles or predictions of an individual graduate’s pay. The allowance is an adjustable model input, not a verified budget for your household.

Read the result as a comparison under those assumptions, not a probability of qualifying for income-based repayment or a guarantee that a payment is affordable.

[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.

[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**
$32,258

**Estimated parent payment**
$410/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## Student and parent loans: the monthly payments

Financial GPS

### What does repayment look like?

**Institution median student debt**
$17,804

**Institution Parent PLUS debt**
$32,258

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

**Estimated student payment · monthly**
$202/mo

**Estimated Parent PLUS payment · monthly**
$410/mo

**Modeled student + parent payments**
$612/mo

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

At median graduate earnings of $76,234, with a $22,590 annual allowance for basic expenses:

**4.5%** of income above the allowance · Excellent

1.  Excellent Under 8%**▲**
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.

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](/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.