by our College Data Analytics TeamThis overview lays out the cost of attending Texas Tech University, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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The total cost of attendance at Texas Tech University ranged from $27,472.00 ranging to $40,071.00 depending on whether you qualify for in-state rates.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: roughly $27,472.00 for in-state students versus $40,071.00 out-of-state.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $11,852.00 |
| + Room, board & other expenses | $15,620.00 |
| Total cost | $27,472.00 |
| That is 43% above the national average net price. |
| Total cost | $27,472.00 |
| − Grants and scholarships | −$8,373.00 |
| Net price | $19,099.00 |
| That is roughly at the national average net price. |
| Total cost | $27,472.00 |
| − Grants and scholarships | −$14,986.00 |
| Net price | $12,486.00 |
| That is 35% below the national average net price. |
| Tuition and fees | $24,451.00 |
| + Room, board & other expenses | $15,620.00 |
| Total cost | $40,071.00 |
| That is 108% above the national average net price. |
| Total cost | $40,071.00 |
| − Grants and scholarships | −$8,373.00 |
| Net price | $31,698.00 |
| That is 65% above the national average net price. |
| Total cost | $40,071.00 |
| − Grants and scholarships | −$14,986.00 |
| Net price | $25,085.00 |
| That is 30% above the national average net price. | |
| For the full breakdown, see the tuition & fees page and room and board. |
Costs have trended upward in recent years at about 0.5% per year, so the four-year total runs well above today’s cost. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.5% | 0.5% | 0.5% |
| Freshman year | $12,543.00 | $19,186.00 | $27,597.00 |
| Senior year | $12,715.00 | $19,449.00 | $27,975.00 |
| Total 4-year net price | $50,514.00 | $77,268.00 | $111,143.00 |
| 10-year loan interest @ 6.8% | $19,244.00 | $29,436.00 | $42,341.00 |
| Total monthly payment | $581.00 | $889.00 | $1,279.00 |
| Total amount paid | $69,758.00 | $106,705.00 | $153,484.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.5% | 0.5% | 0.5% |
| Freshman year | $12,543.00 | $19,186.00 | $27,597.00 |
| Senior year | $12,600.00 | $19,273.00 | $27,722.00 |
| Total 2-year net price | $25,143.00 | $38,459.00 | $55,319.00 |
| 10-year loan interest @ 6.8% | $9,578.00 | $14,651.00 | $21,075.00 |
| Total monthly payment | $289.00 | $443.00 | $637.00 |
| Total amount paid | $34,721.00 | $53,110.00 | $76,394.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.5% | 0.5% | 0.5% |
| Freshman year | $25,199.00 | $31,842.00 | $40,253.00 |
| Senior year | $25,544.00 | $32,278.00 | $40,805.00 |
| Total 4-year net price | $101,486.00 | $128,240.00 | $162,114.00 |
| 10-year loan interest @ 6.8% | $38,662.00 | $48,855.00 | $61,760.00 |
| Total monthly payment | $1,168.00 | $1,476.00 | $1,866.00 |
| Total amount paid | $140,148.00 | $177,094.00 | $223,874.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.5% | 0.5% | 0.5% |
| Freshman year | $25,199.00 | $31,842.00 | $40,253.00 |
| Senior year | $25,314.00 | $31,987.00 | $40,436.00 |
| Total 2-year net price | $50,513.00 | $63,829.00 | $80,689.00 |
| 10-year loan interest @ 6.8% | $19,244.00 | $24,317.00 | $30,740.00 |
| Total monthly payment | $581.00 | $735.00 | $929.00 |
| Total amount paid | $69,756.00 | $88,146.00 | $111,429.00 |
For the complete net-price picture, see the net-price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $19,070.00 |
| Average net price (off-campus) | $20,071.00 |
The real cost varies by income because need-based aid scales with financial need. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $13,922.00 |
| $30,000 to $48,000 | $15,173.00 |
| $48,001 to $75,000 | $18,376.00 |
| $75,001 to $110,000 | $23,239.00 |
| Over $110,000 | $24,903.00 |
Run your own numbers with the Texas Tech 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 median graduating debt at Texas Tech University is $15,250.00, landing it in the Low ($10-20k) debt-load classification.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $7,000.00 |
| Median (50th) | $15,250.00 |
| 75th | $26,000.00 |
| 90th | $34,500.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student loan debt page.
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 | $17,500.00 |
| Middle income | $16,000.00 |
| High income | $14,000.00 |
Graduates from lower-income families carry $3,500.00 more debt than high-income graduates.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,000.00 |
| Continuing-generation students | $14,380.00 |
First-gen borrowers at Texas Tech University take on $1,620.00 in additional median debt versus continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The gap between Pell-eligible and non-Pell median debt at Texas Tech University is $5,255.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate category at Texas Tech University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.8% |
For context on the loan portfolio, Stafford disbursements at Texas Tech University reach $2,002,776,861.00 spread across 88,500 borrowers.
Veterans and active-duty students can access dedicated federal education aid such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 700 |
| Avg GI Bill amount | $9,275.00 |
| DoD Tuition Assistance recipients | 60 |
| Avg DoD Tuition Assistance | $2,874.00 |
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 Texas Tech University, keep these questions in mind:
Use the pages below to go deeper on a specific part of the cost story:
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.