by our College Data Analytics TeamThis guide covers the real cost of attending University of Mary Hardin-Baylor, 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.
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The full cost of attending University of Mary Hardin-Baylor works out to about $45,235.00 for a single academic year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $32,020.00 |
| + Room, board & other expenses | $13,215.00 |
| Total cost | $45,235.00 |
| That is 38% above the national average net price. |
| Total cost | $45,235.00 |
| − Grants and scholarships | −$20,768.00 |
| Net price | $24,467.00 |
| That is 25% below the national average net price. |
| Total cost | $45,235.00 |
| − Grants and scholarships | −$24,785.00 |
| Net price | $20,450.00 |
| That is 38% below the national average net price. | |
| For the full breakdown, see the tuition & fees page and living costs. |
The reported cost series has been increasing at a recent average of 0.6% per year; the projections below compound that across a degree. 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 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 | 0.6% | 0.6% | 0.6% |
| Freshman year | $20,571.00 | $24,612.00 | $45,503.00 |
| Senior year | $20,938.00 | $25,051.00 | $46,316.00 |
| Total 4-year net price | $83,018.00 | $99,325.00 | $183,633.00 |
| 10-year loan interest @ 6.8% | $31,627.00 | $37,839.00 | $69,958.00 |
| Total monthly payment | $955.00 | $1,143.00 | $2,113.00 |
| Total amount paid | $114,644.00 | $137,164.00 | $253,591.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.6% | 0.6% | 0.6% |
| Freshman year | $20,571.00 | $24,612.00 | $45,503.00 |
| Senior year | $20,693.00 | $24,757.00 | $45,772.00 |
| Total 2-year net price | $41,264.00 | $49,369.00 | $91,275.00 |
| 10-year loan interest @ 6.8% | $15,720.00 | $18,808.00 | $34,772.00 |
| Total monthly payment | $475.00 | $568.00 | $1,050.00 |
| Total amount paid | $56,984.00 | $68,177.00 | $126,047.00 |
For the complete net-price picture, see the net price section below.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. 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) | $26,106.00 |
| Average net price (off-campus) | $28,690.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $25,906.00 |
| $30,000 to $48,000 | $25,332.00 |
| $48,001 to $75,000 | $25,729.00 |
| $75,001 to $110,000 | $28,686.00 |
| Over $110,000 | $33,693.00 |
Estimate your specific net price using the school’s University of Mary Hardin-Baylor Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Median graduate debt at University of Mary Hardin-Baylor stands at $15,750.00, which federal data classifies as a Low ($10-20k) debt-load classification.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,750.00 |
| 25th | $6,250.00 |
| Median (50th) | $15,750.00 |
| 75th | $29,000.00 |
| 90th | $37,500.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Read the complete debt breakdown on the student loan debt detail.
Student debt at graduation is not evenly distributed across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,000.00 |
| Middle income | $15,595.00 |
| High income | $16,750.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,000.00 |
| Continuing-generation students | $17,038.00 |
The Pell Grant is the main federal need-based award for undergraduates. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt gap between Pell and non-Pell graduates of University of Mary Hardin-Baylor amounts to $3,187.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The Department of Education default-rate tier for University of Mary Hardin-Baylor is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.2% |
To put the rates in context, Stafford loans at University of Mary Hardin-Baylor add up to $308,018,855.00 over 14,781 disbursements.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 223 |
| Avg GI Bill amount | $19,500.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about University of Mary Hardin-Baylor, consider the following:
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.