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Cost & financial aid brief

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# University of Mary Hardin-Baylor Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/university-of-mary-hardin-baylor/)Cost & aid[Outcomes](/school/university-of-mary-hardin-baylor/outcomes/)[Admissions](/school/university-of-mary-hardin-baylor/admissions/)[Majors](/school/university-of-mary-hardin-baylor/majors/)[Similar schools](/school/university-of-mary-hardin-baylor/similar/)

**On this page**+

## How much does University of Mary Hardin-Baylor cost after financial aid?

The published cost of attendance at University of Mary Hardin-Baylor is $46,874, with tuition and fees of $32,020 and room and board of $13,224. For the average aid recipient, grants and scholarships cut that sticker price by $20,768, bringing the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—what families actually pay after aid—to $26,106.

That average net price is $1,265 below the $27,371 median for comparable institutions (same type and size). Aid covers about 44% of the published cost for the average aid recipient.

Azimuth ranks the university #1,137 for affordability among nonprofit four-year institutions. That places the affordability pillar in the 20th percentile.

At University of Mary Hardin-Baylor, aid-recipient costs sit at the peer midpoint, but borrowing is higher. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $26,106.

It is below the peer median of $27,371, the middle value for comparable institutions (same type and size), with a gap of $1,265. Azimuth places the affordability pillar in the 20th percentile among nonprofit four-year institutions.

Among completers who borrowed federal loans, median federal student loan debt is $26,000, $1,801 above the peer median of $24,199. Average net price is $22,089 for aid recipients in the lowest income band and $33,166 for those in the highest. Level peer pricing and above-peer debt point in different directions.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s step upward across the family-income bands: $22,089 in the lowest band, $23,064 in the next-lowest band, $23,607 in the middle band, $27,343 in the next-highest band, and $33,166 in the highest band. Pell Grants reach 39.6% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $11,077.

Average net price by family income

**$0–30K**
$22,089

**$30–48K**
$23,064

**$48–75K**
$23,607

**$75–110K**
$27,343

**$110K+**
$33,166

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$26,106**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$34,374

**Estimated parent payment**
$437/mo

Modeled Parent PLUS pressure by income

| 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](/financial-gps/?tool=parent&school=university-of-mary-hardin-baylor#parent-tool). [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**
$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

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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, $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.

[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=university-of-mary-hardin-baylor#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.