by our College Data Analytics TeamBelow is the data on what it actually costs to attend Concordia University Texas, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
If you want to dig into a particular figure, jump to any section below:
The full cost of attending Concordia University Texas is about $52,098.00 per academic year.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $23,500.00 |
| + Room, board & other expenses | $28,598.00 |
| Total cost | $52,098.00 |
| That is 59% above the national average net price. |
| Total cost | $52,098.00 |
| − Grants and scholarships | −$29,889.00 |
| Net price | $22,209.00 |
| That is 32% below the national average net price. |
| Total cost | $52,098.00 |
| − Grants and scholarships | −$34,256.00 |
| Net price | $17,842.00 |
| That is 46% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page plus living costs. |
The projections below extend the current annual cost across a degree. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $17,842.00 | $22,209.00 | $52,098.00 |
| Senior year | $17,842.00 | $22,209.00 | $52,098.00 |
| Total 4-year net price | $71,368.00 | $88,836.00 | $208,392.00 |
| 10-year loan interest @ 6.8% | $27,189.00 | $33,843.00 | $79,390.00 |
| Total monthly payment | $821.00 | $1,022.00 | $2,398.00 |
| Total amount paid | $98,557.00 | $122,679.00 | $287,782.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $17,842.00 | $22,209.00 | $52,098.00 |
| Senior year | $17,842.00 | $22,209.00 | $52,098.00 |
| Total 2-year net price | $35,684.00 | $44,418.00 | $104,196.00 |
| 10-year loan interest @ 6.8% | $13,594.00 | $16,922.00 | $39,695.00 |
| Total monthly payment | $411.00 | $511.00 | $1,199.00 |
| Total amount paid | $49,278.00 | $61,340.00 | $143,891.00 |
| Jump to the net-price detail in the Net Price section. |
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $23,131.00 |
| Average net price (off-campus) | $22,240.00 |
Net price varies sharply by family income, dropping as need-based aid grows. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $16,380.00 |
| $30,000 to $48,000 | $18,269.00 |
| $48,001 to $75,000 | $20,148.00 |
| $75,001 to $110,000 | $26,629.00 |
| Over $110,000 | $31,244.00 |
Estimate your specific net price using the school’s [Concordia University Texas Net Price Calculator](https://tcc.ruffalonl.com/Concordia University - Texas/Freshman-Students), or contact the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The typical debt load for borrowers leaving Concordia University Texas comes to $15,134.00, which federal data classifies as a Low ($10-20k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $5,500.00 |
| Median (50th) | $15,134.00 |
| 75th | $27,000.00 |
| 90th | $39,640.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt at graduation is far from uniform across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,750.00 |
| Middle income | $14,292.00 |
| High income | $15,875.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,244.00 |
| Continuing-generation students | $15,000.00 |
First-generation borrowers from Concordia University Texas leave with $244.00 more than continuing-generation graduates.
The Pell Grant is the main federal need-based award for undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt gap between Pell and non-Pell graduates of Concordia University Texas stands at $2,750.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The federal default-rate tier for Concordia University Texas is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.5% |
To put the rates in context, Stafford loans at Concordia University Texas come to $286,139,394.00 over 11,826 student borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 74 |
| Avg GI Bill amount | $18,960.00 |
| DoD Tuition Assistance recipients | 4 |
| Avg DoD Tuition Assistance | $2,250.00 |
Read more about military and veteran aid on the veterans benefits detail.
The data above is a foundation; round it out by asking yourself about Concordia University Texas, keep these questions in mind:
Each page below covers one part of paying for college in more detail:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.