Cost & financial aid brief
University of North Texas Tuition, Costs & Financial Aid
How much does UNT cost after financial aid?
Grant and loan aid lowers the published cost by $10,594 for the average recipient, leaving a net price of $15,649. The average aid recipient finds that aid covers about 40% of the published cost.
Pricing varies across income bands. The average net price is $12,311 for families earning under $30,000, $12,668 for the $30,001–$48,000 band, $14,473 for $48,001–$75,000, $19,576 for $75,001–$110,000, and $22,943 for those earning over $110,000.
The distance between the lowest and highest averages is $10,632, a pattern that coincides with larger subsidies for lower-income families.
The University of North Texas publishes a cost of attendance of $26,243, with in-state tuition and fees of $11,309 and room and board at $11,194. After grants and scholarships, the average net price—what aid recipients actually pay—is $12,311 for families earning under $30,000, $14,473 for families in the $48,001–$75,000 band, and $22,943 for families earning over $110,000.
The spread between the lowest and highest bands is $10,632, a difference of averages across income groups. Azimuth ranks the university #336 for affordability among nonprofit four-year institutions.
Aid covers about 40% of the published cost for the average aid recipient, an offset of roughly $10,594 against the sticker price. The average net price across all aid recipients is $15,649, which sits above the peer median of $15,634 for comparable institutions (same type and size) by $15.
Out-of-state students face tuition and fees of $21,149. Among federal-loan borrowers who completed, the median federal student debt is $19,250.
That median is below the peer median of $20,076 for comparable institutions by $826, and about 83.2% of federal aid recipients borrow federal loans. If repaid over ten years, that debt corresponds to an estimated payment of $219 a month.
Parents who borrow through the federal Parent PLUS program carry a separate median of $23,211.
Student loans: what does repayment look like?
Federal borrowing is common at University of North Texas, where 83.2% of federal aid recipients use federal loans. For completers who borrowed, the median federal student debt at completion is $19,250.
That median is below the $20,076 median observed at comparable institutions (same type and size), a gap of $826. Parent borrowers make up a separate population, and their median Parent PLUS loan is $23,211.
The median earnings for University of North Texas graduates four years after completion is $58,743, which places the university in the 46th percentile among nonprofit four-year institutions. Graduates earn about $1,825 less than expects for similar students, an outcome that sits in the 48th percentile among nonprofit four-year institutions.
Earnings scenarios drawn from the university's program mix point to a typical earnings figure of $58,743, a downside scenario of $46,968, and an upside scenario of $82,802. Borrowers who finish a degree carry a median federal debt of $19,250, which is below the $20,076 median for comparable institutions (same type and size).
If repaid over ten years, that debt yields an estimated monthly payment of $219.
Median Parent PLUS borrowing, a separate parent-borrower population, is $23,211. The estimated monthly student payment if repaid over ten years is $219.
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
- $23,211
- Estimated parent payment
- $295/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $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
- $19,250
- Institution Parent PLUS debt
- $23,211
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $219/mo
- Estimated Parent PLUS payment · monthly
- $295/mo
- Modeled student + parent payments
- $514/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 $58,743, with a $22,590 annual allowance for basic expenses:
7.3% 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.