by our College Data Analytics TeamHere is what you can expect to pay at Texas A&M University-Central Texas, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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Published attendance costs at Texas A&M University-Central Texas varied between $13,220.00 and $23,011.00 based on in-state versus out-of-state status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: around $13,220.00 in-state compared with $23,011.00 out-of-state.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $7,363.00 |
| + Room, board & other expenses | $5,857.00 |
| Total cost | $13,220.00 |
| That is 31% below the national average net price. |
| Total cost | $13,220.00 |
| − Grants and scholarships | −$12,887.00 |
| Net price | $333.00 |
| That is 98% below the national average net price. |
| Total cost | $13,220.00 |
| − Grants and scholarships | −$11,238.00 |
| Net price | $1,982.00 |
| That is 90% below the national average net price. |
| Tuition and fees | $17,154.00 |
| + Room, board & other expenses | $5,857.00 |
| Total cost | $23,011.00 |
| That is 20% above the national average net price. |
| Total cost | $23,011.00 |
| − Grants and scholarships | −$12,887.00 |
| Net price | $10,124.00 |
| That is 47% below the national average net price. |
| Total cost | $23,011.00 |
| − Grants and scholarships | −$11,238.00 |
| Net price | $11,773.00 |
| That is 39% below the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
Published costs have climbed year over year by roughly 0.8% per year; the projections below compound that across a degree. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.8% | 0.8% | 0.8% |
| Freshman year | $1,998.00 | $336.00 | $13,325.00 |
| Senior year | $2,046.00 | $344.00 | $13,645.00 |
| Total 4-year net price | $8,087.00 | $1,359.00 | $53,939.00 |
| 10-year loan interest @ 6.8% | $3,081.00 | $518.00 | $20,549.00 |
| Total monthly payment | $93.00 | $16.00 | $621.00 |
| Total amount paid | $11,167.00 | $1,876.00 | $74,487.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.8% | 0.8% | 0.8% |
| Freshman year | $1,998.00 | $336.00 | $13,325.00 |
| Senior year | $2,014.00 | $338.00 | $13,431.00 |
| Total 2-year net price | $4,011.00 | $674.00 | $26,756.00 |
| 10-year loan interest @ 6.8% | $1,528.00 | $257.00 | $10,193.00 |
| Total monthly payment | $46.00 | $8.00 | $308.00 |
| Total amount paid | $5,540.00 | $931.00 | $36,949.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.8% | 0.8% | 0.8% |
| Freshman year | $11,867.00 | $10,204.00 | $23,194.00 |
| Senior year | $12,152.00 | $10,450.00 | $23,751.00 |
| Total 4-year net price | $48,035.00 | $41,307.00 | $93,887.00 |
| 10-year loan interest @ 6.8% | $18,300.00 | $15,736.00 | $35,767.00 |
| Total monthly payment | $553.00 | $475.00 | $1,080.00 |
| Total amount paid | $66,334.00 | $57,043.00 | $129,654.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.8% | 0.8% | 0.8% |
| Freshman year | $11,867.00 | $10,204.00 | $23,194.00 |
| Senior year | $11,961.00 | $10,286.00 | $23,378.00 |
| Total 2-year net price | $23,827.00 | $20,490.00 | $46,572.00 |
| 10-year loan interest @ 6.8% | $9,077.00 | $7,806.00 | $17,742.00 |
| Total monthly payment | $274.00 | $236.00 | $536.00 |
| Total amount paid | $32,905.00 | $28,296.00 | $64,314.00 |
See the full net-price breakdown in the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $1,300.00 |
| Average net price (off-campus) | $1,113.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $509.00 |
| $30,000 to $48,000 | $3,946.00 |
| $48,001 to $75,000 | $-1,325.00 |
Use Texas A&M University-Central Texas Net Price Calculator, or reach out to the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
The median amount borrowed by graduates of Texas A&M University-Central Texas amounts to $13,000.00, placing the school in the Low ($10-20k) burden category.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,130.00 |
| 25th | $5,500.00 |
| Median (50th) | $13,000.00 |
| 75th | $18,750.00 |
| 90th | $25,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $13,500.00 |
| High income | $12,816.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,302.00 |
| Continuing-generation students | $12,500.00 |
First-gen borrowers at Texas A&M University-Central Texas leave with $802.00 more debt than continuing-generation students.
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt difference between Pell-eligible and non-Pell graduates of Texas A&M University-Central Texas amounts to $1,011.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate classification at Texas A&M University-Central Texas is Low (<5%).
For scale, federal Stafford loan disbursements at Texas A&M University-Central Texas amount to $84,289,695.00 distributed across 4,583 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 360 |
| Avg GI Bill amount | $5,495.00 |
| DoD Tuition Assistance recipients | 80 |
| Avg DoD Tuition Assistance | $2,437.00 |
Explore GI Bill and military aid in detail on the college veterans page.
Use the figures above as a launch point, then think through Texas A&M University-Central Texas, the questions below are worth your time:
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.