University of North Texas maintains moderate costs typical of public universities, with a published cost of attendance of $25,470 per year. This sticker price breaks down to $11,164 for in-state tuition, $10,805 for room and board, and $1,120 for books and supplies, while out-of-state students pay $21,244 in tuition.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $26,243 |
| Tuition and Fees | $21,149 |
| Room and Board | $11,194 |
| Books and Supplies | $1,120 |
| Average Financial Aid (Grants and Scholarships) | -$10,594 |
| Average Net Price (What Families Pay) | $15,649 |
| Family Income | Net Price |
|---|---|
| $0–30k | $12,311 |
| $30–48k | $12,668 |
| $48–75k | $14,473 |
| $75–110k | $19,576 |
| $110k+ | $22,943 |
University of North Texas maintains moderate costs typical of public universities, with a published cost of attendance of $25,470 per year. This sticker price breaks down to $11,164 for in-state tuition, $10,805 for room and board, and $1,120 for books and supplies, while out-of-state students pay $21,244 in tuition. However, the average student pays substantially less after financial aid, with a net price of $14,352 representing savings of $11,118 from the published cost.
This net price falls $1,238 above the peer median of $15,590, indicating costs are moderately higher than similar institutions. The financial aid system provides meaningful support across income levels, with aid targeting concentrated toward students from lower-income families. University of North Texas balances accessible pricing with the resources needed to serve a diverse student body of over 38,000 students.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
University of North Texas graduates carry median debt of $19,250, which falls $750 below the peer median of $20,000, demonstrating controlled borrowing relative to similar institutions. Student debt ranges from $6,250 at the 25th percentile to $25,000 at the 75th percentile, showing significant variation in borrowing patterns among graduates.
The median debt represents a manageable debt-to-earnings ratio of 0.34, indicating that typical loan payments consume approximately one-third of first-year earnings—a reasonable burden for most graduates. UNT debt levels rank at the 74th percentile nationally, reflecting above-average performance in debt management.
Parent PLUS borrowers carry median debt of $19,876 with monthly payments of approximately $262, though families should carefully evaluate their ability to manage these obligations alongside other expenses. The combination of moderate debt levels and solid earnings outcomes creates favorable conditions for loan repayment, though individual circumstances vary significantly.
How cost compares to graduate earnings and value added.
University of North Texas delivers solid return on educational investment despite earnings that fall slightly below expectations relative to student demographics. Graduates earn $2,178 less than predicted based on their backgrounds, though this positions around the national average and reflects the university's mission to serve diverse populations.
The debt-to-earnings ratio of 0.34 indicates manageable loan burdens relative to income, while median debt below peer averages demonstrates controlled borrowing costs. When combined with the university's strong mobility ranking at the 98.5th percentile, these outcomes suggest that University of North Texas effectively converts educational access into economic advancement, particularly for students from underserved backgrounds.
The return index percentile of 55.1% reflects above-average performance when balancing costs, earnings, and debt levels. While not exceptional in pure earnings terms, the investment proposition becomes more compelling when considering the access mission and the substantial support provided to first-generation and lower-income students.
University of North Texas demonstrates strong commitment to financial accessibility through its aid distribution patterns. The institution serves 36.1% Pell-eligible students, well above many peer institutions, indicating substantial enrollment of students from lower-income backgrounds.
Average financial aid savings of $11,118 represent 44% of the total cost of attendance, showing meaningful support that makes college affordable for diverse populations. The progressive net price structure, ranging from $10,816 for lowest-income families to $21,829 for highest-income families, reflects targeted aid policies that concentrate resources where financial need is greatest.
This approach aligns with University of North Texas's role as a Mobility Engine institution, combining educational access with outcomes that support economic advancement. The aid system enables the university to maintain academic quality while serving substantial numbers of first-generation and lower-income students who might otherwise face barriers to higher education.
