by our College Data Analytics TeamHere is what you can expect to pay at Baylor University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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What it costs to attend Baylor University is about $70,130.00 annually.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $58,100.00 |
| + Room, board & other expenses | $12,030.00 |
| Total cost | $70,130.00 |
| That is 114% above the national average net price. |
| Total cost | $70,130.00 |
| − Grants and scholarships | −$33,122.00 |
| Net price | $37,008.00 |
| That is 13% above the national average net price. |
| Total cost | $70,130.00 |
| − Grants and scholarships | −$52,202.00 |
| Net price | $17,928.00 |
| That is 45% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page plus living costs. |
Published costs have climbed year over year at about 5.0% annually, so the projections below total more than one year of attendance. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.0% | 5.0% | 5.0% |
| Freshman year | $18,821.00 | $38,851.00 | $73,622.00 |
| Senior year | $21,775.00 | $44,948.00 | $85,177.00 |
| Total 4-year net price | $81,095.00 | $167,400.00 | $317,223.00 |
| 10-year loan interest @ 6.8% | $30,894.00 | $63,774.00 | $120,851.00 |
| Total monthly payment | $933.00 | $1,926.00 | $3,651.00 |
| Total amount paid | $111,989.00 | $231,174.00 | $438,074.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.0% | 5.0% | 5.0% |
| Freshman year | $18,821.00 | $38,851.00 | $73,622.00 |
| Senior year | $19,758.00 | $40,785.00 | $77,288.00 |
| Total 2-year net price | $38,579.00 | $79,636.00 | $150,910.00 |
| 10-year loan interest @ 6.8% | $14,697.00 | $30,338.00 | $57,491.00 |
| Total monthly payment | $444.00 | $916.00 | $1,737.00 |
| Total amount paid | $53,276.00 | $109,975.00 | $208,401.00 |
See the full net-price breakdown in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $41,104.00 |
| Average net price (off-campus) | $41,942.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $30,674.00 |
| $30,000 to $48,000 | $30,348.00 |
| $48,001 to $75,000 | $32,236.00 |
| $75,001 to $110,000 | $37,708.00 |
| Over $110,000 | $47,442.00 |
Get a tailored estimate from the Baylor University Net Price Calculator, or check with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
The typical debt load for borrowers leaving Baylor University stands at $19,500.00, categorized as a Low ($10-20k) burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,500.00 |
| 25th | $8,774.00 |
| Median (50th) | $19,500.00 |
| 75th | $27,000.00 |
| 90th | $33,250.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student-loan-debt breakdown.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $19,898.00 |
| Middle income | $21,500.00 |
| High income | $19,000.00 |
Borrowers from lower-income families leave school with $898.00 more debt than their high-income peers.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $20,500.00 |
| Continuing-generation students | $19,000.00 |
First-generation graduates of Baylor University graduate with $1,500.00 more than continuing-generation graduates.
Pell Grants are the largest source of federal need-based aid for undergrads. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The gap between Pell-eligible and non-Pell median debt at Baylor University amounts to $3,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The Department of Education default-rate tier for Baylor University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.3% |
For a sense of scale, Stafford disbursements at Baylor University add up to $987,594,441.00 distributed across 41,099 student borrowers.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 692 |
| Avg GI Bill amount | $22,953.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Baylor University, consider the following:
Dig further into the cost picture with the related pages below:
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.