Cost & financial aid brief
The University of Texas at Austin Tuition, Costs & Financial Aid
How much does UT Austin cost after financial aid?
At The University of Texas at Austin, aid covers about 36% of the published cost for the average aid recipient. The spread between the lowest and highest income bands is $17,529, with lower net prices at lower incomes rather than a flat discount.
In its 2025-26 Common Data Set, the university reported that for the 2025-26 academic year, first-year students with need received an average need-based grant of $20,052. The average share of need met was 71%, and the average total aid package was $20,765.
Of the 3,924 students with need, 345 had their need fully met, and the university reported no merit aid for first-year students. Federal data show the same shape.
The lowest-income band averages $12,553, while the highest averages $30,082. The middle bands step up through $14,297, $17,207, and $24,406.
The University of Texas at Austin publishes a cost of attendance of $31,247, with in-state tuition at $11,688 and out-of-state tuition at $44,908. For families earning under $30,000, the average net price is $12,553.
For families in the $48,001–$75,000 band, it is $17,207, and for families earning over $110,000, it is $30,082. Azimuth ranks the university #566 for affordability among nonprofit four-year institutions.
Financial aid reduces the sticker price by an average of $11,390, bringing the average net price across all aid recipients to $19,857. The university's average net price is $4,223 above the median at comparable institutions (same type and size), which is $15,634.
In-state tuition is $11,688, and room and board is $14,828. The median federal student debt at completion is $20,500.
The median debt at comparable institutions (same type and size) is $20,076, which is above the university's figure. About 81.7% of federal aid recipients borrow federal loans.
Median Parent PLUS borrowing is $26,632. The median four-year earnings for graduates is $79,115.
If repaid over ten years, the estimated monthly payment on the median federal debt is $233.
Student loans: what does repayment look like?
Among undergraduates at The University of Texas at Austin, 81.7% of federal aid recipients take federal loans. For borrowers who complete a degree, the median federal debt is $20,500.
That median sits above the $20,076 median at comparable institutions (same type and size). Parent PLUS borrowing, a separate parent-borrower population, carries a median of $26,632.
In its 2025-26 Common Data Set, the university reported that 36% of graduates borrowed from any source, averaging $20,429 in cumulative principal per borrower. This included 35% with federal loans averaging $18,210 and 2% with private loans averaging $31,027.
Graduates of The University of Texas at Austin earn about $15,052 more than expects for similar students, an outcome in the 92nd percentile nationally. The median earnings four years after completion reach $79,115, which places in the 88th percentile among nonprofit four-year institutions.
Earnings scenarios derived from the university's program mix suggest a typical earnings level of $79,115, with a downside scenario of $55,545 and an upside scenario of $125,462. Borrowers finish with a median federal debt of $20,500, which is above the $20,076 median for comparable institutions (same type and size). If repaid over ten years, the estimated monthly payment is $233.
Median Parent PLUS borrowing, a separate parent-borrower population, is $26,632. The estimated monthly student payment if repaid over ten years is $233.
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
- $26,632
- Estimated parent payment
- $338/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 19.9% | High pressure |
| $100,000 | 9.0% | Caution |
| $150,000 | 4.3% | Safe |
| $200,000 | 2.8% | Safe |
The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. Open the parent tool for your own numbers. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $20,500
- Institution Parent PLUS debt
- $26,632
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $233/mo
- Estimated Parent PLUS payment · monthly
- $338/mo
- Modeled student + parent payments
- $571/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 $79,115, with a $23,940 annual allowance for basic expenses:
5.1% 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
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 guarantee that a payment is affordable.
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
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.