Cost & financial aid brief
Texas Woman's University Tuition, Costs & Financial Aid
How much does Texas Woman's University cost after financial aid?
Aid reduces the published price substantially for the average recipient, with lower listed income bands generally facing lower average net prices. Against a published cost of $22,234, the average net price is $11,963, leaving a sticker-to-net gap of $10,271.
Aid covers about 46% of the published cost for the average aid recipient. The lower and middle income bands have average net prices of $9,948, $9,894, and $11,087, while the upper bands are $14,094 and $19,093.
This pattern shows lower average net prices at lower listed incomes, rather than a fixed discount for every family. The sticker-to-net gap and lower band averages point in the same direction.
At Texas Woman's University, the published cost of attendance is $22,234, with aid recipients facing a range of average net prices across family-income bands. Average net price, what aid recipients pay after grants and scholarships, is $9,948 in the lowest band; $9,894 in the lower-middle band; $11,087 in the middle band; $14,094 in the upper-middle band; and $19,093 in the highest band.
The spread between the lowest and highest bands is $9,145. Azimuth ranks the university #165 for affordability among nonprofit four-year institutions.
Aid covers about 46% of the published cost for the average aid recipient, an average savings of $10,271 against the sticker price. Aid recipients pay an average net price of $11,963.
At comparable institutions (same type and size), the peer median, the middle value for that group, is $14,068, with Texas Woman's University $2,105 below it. Aid coverage and the lower peer price point in the same direction.
Federal-loan borrowers who complete have median federal student loan debt of $19,218, which is $2,011 below the peer median debt of $21,229 at comparable institutions (same type and size). 82.3% of federal aid recipients borrow federal loans.
Median Parent PLUS borrowing for parent borrowers is $13,471. The median federal student debt corresponds to an estimated payment of $218 a month if repaid over ten years.
Student loans: what does repayment look like?
Federal borrowing reaches 82.3% of federal aid recipients at Texas Woman's University. Among borrowers who complete a degree, median federal student loan debt is $19,218.
That median is $2,011 below the peer median of $21,229 for comparable institutions (same type and size). Parents who borrow through the separate Parent PLUS program hold a median of $13,471.
In its 2024-25 Common Data Set, the university reported that 42% of graduates borrowed from any source, with an average cumulative amount of $8,182 per borrower. That group includes 41% of graduates who held federal loans averaging $7,116. A separate 3% of graduates held private loans, averaging $8,135.
Texas Woman's University pairs higher-than-expected earnings with median debt below that of comparable institutions. Federally aided completers who are working and not enrolled earn median earnings of $64,179 four years after completion.
Azimuth places those earnings in the 63rd percentile among nonprofit four-year institutions. Graduates earn about $17,563 more than expects for similar students.
Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, stand in the 94th percentile among nonprofit four-year institutions. The earnings scenarios place downside earnings at $50,251, the typical scenario at $64,179, and the upside scenario at $87,017.
Median federal student loan debt is $19,218, which is $2,011 below the $21,229 peer median for comparable institutions (same type and size). That debt corresponds to an estimated payment of $218 a month if repaid over ten years. Above-expected earnings and lower debt than peers point in the same direction.
Parent PLUS borrowers, a separate parent-borrower population, have median borrowing of $13,471. For student borrowers, that debt corresponds to an estimated payment of $218 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $13,471
- Estimated parent payment
- $171/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $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.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $19,218
- Institution Parent PLUS debt
- $13,471
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $218/mo
- Estimated Parent PLUS payment · monthly
- $171/mo
- Modeled student + parent payments
- $389/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 $64,179, with a $22,590 annual allowance for basic expenses:
6.3% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- 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.
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.
Data & methodology
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.