Cost & financial aid brief
University of Mary Hardin-Baylor Tuition, Costs & Financial Aid
How much does University of Mary Hardin-Baylor cost after financial aid?
At University of Mary Hardin-Baylor, the price after aid is lowest in the lower family-income bands and highest in the upper band. The average net price, what aid recipients pay after grants and scholarships, is $26,106 against a published cost of $46,874.
Average aid reduces that published cost by $20,768, and aid covers about 44% of the published cost for the average aid recipient. For aid recipients in the lowest family-income band, the average net price is $22,089; it is $23,064 in the next band and $23,607 in the middle band.
The next-highest band has an average net price of $27,343, compared with $33,166 in the highest band. The spread between the lowest and highest bands is $11,077, showing larger average aid offsets at lower incomes rather than an individual family’s package.
Aid-recipient pricing at University of Mary Hardin-Baylor increases from the low-income family band to the higher-income family band. Its published cost of attendance is $46,874.
Average net price, what aid recipients pay after grants and scholarships, is $22,089 for the low-income band; $23,064 for the lower-middle-income band; $23,607 for the middle-income band; $27,343 for the upper-middle-income band; and $33,166 for the higher-income band. The spread between the lowest and highest bands is $11,077.
Azimuth ranks the university #1,137 for affordability among nonprofit four-year institutions. For the average aid recipient, aid covers about 44% of the published cost.
That average aid savings is $20,768, leaving an average net price of $26,106 across aid recipients. At comparable institutions (same type and size), the peer median, the middle value for comparable institutions, is $27,371; this university's average net price is $1,265 below it.
Published tuition and fees are $32,020, and room and board are $13,224. Federal borrowing is common among undergraduates, with 91.0% taking federal loans.
Among borrowers who completed, median federal student loan debt is $26,000, or $1,801 above the $24,199 peer median at comparable institutions (same type and size). That debt corresponds to an estimated payment of $295 a month if repaid over ten years.
Median Parent PLUS borrowing is $34,374.
Student loans: what does repayment look like?
At University of Mary Hardin-Baylor, federal borrowing is common, and borrower debt sits somewhat higher than at comparable institutions. 91.0% of federal aid recipients take federal loans.
Among borrowers who completed, median federal student loan debt is $26,000. The peer median, the middle value for comparable institutions (same type and size), is $24,199; the university's median is $1,801 above that figure.
For the separate parent-borrower population, median Parent PLUS borrowing is $34,374.
University of Mary Hardin-Baylor graduates record a median of $61,024 in earnings four years after completion, a result at the 54th percentile among nonprofit four-year institutions. Graduates earn about $8,021 more than expects for similar students.
That outcome falls in the 78th percentile among nonprofit four-year institutions. The median is $7,226 below the peer median of $68,250 for comparable institutions (same type and size).
Earnings scenarios estimated from the program mix run from $46,487 in a downside case to $88,860 in an upside case, with $61,024 as the typical scenario. Completers who borrowed hold a median federal debt of $26,000, a level $1,801 above the peer median of $24,199 for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated payment of $295 a month.
The separate parent-borrower population had median Parent PLUS borrowing of $34,374. The median federal student debt corresponds to an estimated payment of $295 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
- $34,374
- Estimated parent payment
- $437/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 | 25.7% | High pressure |
| $100,000 | 11.6% | High pressure |
| $150,000 | 5.5% | Safe |
| $200,000 | 3.6% | 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
- $26,000
- Institution Parent PLUS debt
- $34,374
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $295/mo
- Estimated Parent PLUS payment · monthly
- $437/mo
- Modeled student + parent payments
- $732/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 $61,024, with a $23,940 annual allowance for basic expenses:
9.5% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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, $23,940, uses the published framework’s 2026 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.