by our College Data Analytics TeamThis guide covers the real cost of attending Texas Lutheran University, 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:
What it costs to attend Texas Lutheran University is about $47,548.00 annually.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $36,230.00 |
| + Room, board & other expenses | $11,318.00 |
| Total cost | $47,548.00 |
| That is 45% above the national average net price. |
| Total cost | $47,548.00 |
| − Grants and scholarships | −$25,348.00 |
| Net price | $22,200.00 |
| That is 32% below the national average net price. |
| Total cost | $47,548.00 |
| − Grants and scholarships | −$29,490.00 |
| Net price | $18,058.00 |
| That is 45% below the national average net price. | |
| For the full breakdown, see tuition and fees and room and board. |
Cost of attendance here has been rising at a recent average of 3.2% per year, so the four-year total runs well above today’s cost. 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 | 3.2% | 3.2% | 3.2% |
| Freshman year | $18,635.00 | $22,909.00 | $49,067.00 |
| Senior year | $20,478.00 | $25,175.00 | $53,919.00 |
| Total 4-year net price | $78,186.00 | $96,120.00 | $205,870.00 |
| 10-year loan interest @ 6.8% | $29,786.00 | $36,618.00 | $78,429.00 |
| Total monthly payment | $900.00 | $1,106.00 | $2,369.00 |
| Total amount paid | $107,972.00 | $132,738.00 | $284,299.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.2% | 3.2% | 3.2% |
| Freshman year | $18,635.00 | $22,909.00 | $49,067.00 |
| Senior year | $19,230.00 | $23,641.00 | $50,634.00 |
| Total 2-year net price | $37,865.00 | $46,550.00 | $99,700.00 |
| 10-year loan interest @ 6.8% | $14,425.00 | $17,734.00 | $37,982.00 |
| Total monthly payment | $436.00 | $536.00 | $1,147.00 |
| Total amount paid | $52,290.00 | $64,283.00 | $137,682.00 |
Jump to the net-price detail in the net price section below.
The net price figure shows the cost after grants and scholarships are deducted. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $24,654.00 |
| Average net price (off-campus) | $22,587.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $20,458.00 |
| $30,000 to $48,000 | $20,270.00 |
| $48,001 to $75,000 | $22,551.00 |
| $75,001 to $110,000 | $22,601.00 |
| Over $110,000 | $26,533.00 |
Estimate your specific net price using the school’s Texas Lutheran University Net Price Calculator, or get in touch with the financial aid office.
Curious how grants and scholarships are distributed? Explore the grants & scholarships detail.
The median amount borrowed by graduates of Texas Lutheran University works out to $14,315.00, categorized as a Low ($10-20k) debt-load classification.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,335.00 |
| 25th | $6,500.00 |
| Median (50th) | $14,315.00 |
| 75th | $27,250.00 |
| 90th | $35,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Debt at graduation is far from uniform across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,000.00 |
| Middle income | $14,750.00 |
| High income | $14,000.00 |
Graduates from lower-income families carry $1,000.00 in additional median debt versus high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,750.00 |
| Continuing-generation students | $14,000.00 |
First-gen borrowers at Texas Lutheran University leave with $750.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of Texas Lutheran University is $2,196.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate classification for Texas Lutheran University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.5% |
For a sense of scale, Stafford disbursements at Texas Lutheran University amount to $109,261,257.00 spread across 6,209 recipients.
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 | 47 |
| Avg GI Bill amount | $16,591.00 |
Read more about military and veteran aid on the college veterans page.
Beyond the data above, it helps to ask a few questions when weighing Texas Lutheran University, keep these questions in mind:
For a closer look at any of these topics, follow the links 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.