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Cost & financial aid brief

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# University of North Texas Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

## How much does UNT cost after financial aid?

The University of North Texas lists a published cost of attendance of $26,243. In-state students face tuition and fees of $11,309, while out-of-state students pay $21,149; room and board runs $11,194.

For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) drops to $15,649, a reduction of $10,594 from the sticker total. That average net price is above the peer median of $15,634 for comparable institutions (same type and size) by $15.

Azimuth places the university's affordability pillar at #336 among nonprofit four-year institutions. Aid covers about 40% of the published cost for the average aid recipient.

Families in the lowest income band see an average net price of $12,311, and the spread between the lowest and highest bands reaches $10,632.

University of North Texas, a public university in Denton, Texas, records an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $15,649 for aid recipients, above the median of $15,634 for comparable institutions (same type and size) by $15. Azimuth places its affordability pillar in the 76th percentile among nonprofit four-year institutions.

Average net prices span from $12,311 in the lowest income band to $22,943 in the highest. For completers who relied on federal loans, median debt is $19,250, below the $20,076 median for comparable institutions (same type and size) by $826.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a progressive structure. For families earning under $30,000 the average net price is $12,311; for $30,001–$48,000 it is $12,668; for $48,001–$75,000 it is $14,473; for $75,001–$110,000 it is $19,576; and for families earning over $110,000 it is $22,943.

Pell Grant recipients make up 38.0% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $10,632.

Average net price by family income

**$0–30K**
$12,311

**$30–48K**
$12,668

**$48–75K**
$14,473

**$75–110K**
$19,576

**$110K+**
$22,943

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$15,649**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Grant and loan aid lowers the published cost by $10,594 for the average recipient, leaving a [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $23,211. The estimated monthly student payment if repaid over ten years is $219.

[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**
$23,211

**Estimated parent payment**
$295/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

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

[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-north-texas#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.