1.  [College research](/)
2.  /
3.  [Texas State University](/school/texas-state-university/)
4.  /
5.  Cost & financial aid brief

Cost & financial aid brief

Copy linkPrint brief

# Texas State University Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

## How much does Texas State University cost after financial aid?

At Texas State University, the published cost of attendance is $28,073, and the typical aid recipient pays less than the full sticker price. Tuition and fees for Texas residents come to $11,450, with room and board listed at $12,630.

Nonresidents pay tuition and fees of $22,930. Grants and scholarships bring the average aid recipient's annual cost down to $16,805, a reduction of $11,268 from the sticker price.

That average sits $1,171 above the $15,634 median for comparable institutions (same type and size). Aid covers about 40% of the published cost for the average aid recipient.

Azimuth ranks the university #440 for affordability among nonprofit four-year institutions.

Azimuth places the affordability pillar at the 69th percentile among nonprofit four-year institutions. Among first-time full-time Title IV aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $16,805, which is $1,171 above the $15,634 median for comparable institutions (same type and size).

Average net prices range from $12,715 in the lowest income band to $24,713 in the highest. Federal-loan borrowers who completed carry a median federal debt of $21,000, a figure that is $924 above the $20,076 median across comparable institutions (same type and size).

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a progressive structure. For families earning under $30,000 the average net price is $12,715; for $30,001–$48,000 it is $13,557; for $48,001–$75,000 it is $13,804; for $75,001–$110,000 it is $20,028; and for families earning over $110,000 it is $24,713.

Pell Grant recipients make up 37.2% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $11,998.

Average net price by family income

**$0–30K**
$12,715

**$30–48K**
$13,557

**$48–75K**
$13,804

**$75–110K**
$20,028

**$110K+**
$24,713

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$16,805**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 40% of the published cost for the average aid recipient, but the size of that discount differs across family incomes. In its 2025-26 Common Data Set, the university reported that first-year students determined to have need received an average need-based grant of $11,266 in the 2025-26 academic year.

The average need-based package, including loans and work, was $14,752, covering 70% of need on average. Of the 5,728 students with need, 1,524 had their need fully met.

The lowest income band averages $12,715 after grants and scholarships, while the highest band averages $24,713. The spread between the two ends is $11,998, a pattern of lower [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s at lower incomes rather than a flat discount across the board.

Texas State University publishes a cost of attendance of $28,073, with in-state tuition at $11,450 and room and board at $12,630. After grant and scholarship aid, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for families earning under $30,000 is $12,715.

For families in the $48,001–$75,000 band the average net price is $13,804, and for families earning over $110,000 it is $24,713. Azimuth ranks the university #440 for affordability among nonprofit four-year institutions.

Financial aid reduces the sticker price by an average of $11,268, bringing the average net price for first-time full-time Title IV aid recipients to $16,805. That figure is above the median of $15,634 for comparable institutions (same type and size) by $1,171.

In-state tuition is $11,450, and out-of-state students face a published tuition of $22,930. The median federal student debt at completion is $21,000.

That median is above the peer median of $20,076 by $924. About 87.2% of federal aid recipients borrow federal loans.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing stands at $22,500. The median federal student debt corresponds to an estimated payment of $239 a month if repaid over ten years.

## Student loans: what does repayment look like?

About 87.2% of federal aid recipients at Texas State University take federal loans. For those who complete a degree, the median federal student debt is $21,000.

That median is above the $20,076 median at comparable institutions (same type and size) by $924. Parent borrowers, a separate population, carry a median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) loan of $22,500.

In its 2025-26 Common Data Set, the university reported that 55% of graduates borrowed from any source, with an average cumulative amount of $23,498 per borrower. Of all graduates, 53% held federal loans averaging $19,520, including 8% who also held private loans averaging $26,452.

Graduates of Texas State University earn about $3,559 more than the model expects for similar students, an outcome that falls in the 67th percentile among nonprofit four-year institutions. Four years after completion, the median earnings for working, non-enrolled completers is $58,786, which sits in the 46th percentile among nonprofit four-year institutions.

Earnings scenarios estimated from the university's program mix show a typical figure of $58,786, a downside scenario of $48,328, and an upside scenario of $81,809. The median federal debt at completion is $21,000, which is above the $20,076 median for comparable institutions (same type and size) by $924. If repaid over ten years, the estimated monthly payment on that debt is $239.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $22,500. The estimated monthly student payment if repaid over ten years is $239.

[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**
$22,500

**Estimated parent payment**
$286/mo

Modeled Parent PLUS pressure by income

| Income | Risk level |
| --- | --- |
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $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**
$21,000

**Institution Parent PLUS debt**
$22,500

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

**Estimated student payment · monthly**
$239/mo

**Estimated Parent PLUS payment · monthly**
$286/mo

**Modeled student + parent payments**
$525/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 $58,786, with a $22,590 annual allowance for basic expenses:

**7.9%** 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-state-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.