by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of the Incarnate Word, 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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Published attendance costs at University of the Incarnate Word stands at about $45,850.00 annually.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $37,090.00 |
| + Room, board & other expenses | $8,760.00 |
| Total cost | $45,850.00 |
| That is 40% above the national average net price. |
| Total cost | $45,850.00 |
| − Grants and scholarships | −$25,906.00 |
| Net price | $19,944.00 |
| That is 39% below the national average net price. |
| Total cost | $45,850.00 |
| − Grants and scholarships | −$29,421.00 |
| Net price | $16,429.00 |
| That is 50% below the national average net price. | |
| For the full breakdown, see tuition and fees and living costs. |
Published costs have climbed year over year by roughly 3.9% a year, so a full degree will cost more than a single year — the tables below carry that forward. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and 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 | 3.9% | 3.9% | 3.9% |
| Freshman year | $17,064.00 | $20,715.00 | $47,623.00 |
| Senior year | $19,121.00 | $23,212.00 | $53,364.00 |
| Total 4-year net price | $72,319.00 | $87,792.00 | $201,828.00 |
| 10-year loan interest @ 6.8% | $27,551.00 | $33,446.00 | $76,889.00 |
| Total monthly payment | $832.00 | $1,010.00 | $2,323.00 |
| Total amount paid | $99,870.00 | $121,238.00 | $278,717.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.9% | 3.9% | 3.9% |
| Freshman year | $17,064.00 | $20,715.00 | $47,623.00 |
| Senior year | $17,724.00 | $21,516.00 | $49,464.00 |
| Total 2-year net price | $34,788.00 | $42,231.00 | $97,087.00 |
| 10-year loan interest @ 6.8% | $13,253.00 | $16,089.00 | $36,987.00 |
| Total monthly payment | $400.00 | $486.00 | $1,117.00 |
| Total amount paid | $48,042.00 | $58,320.00 | $134,074.00 |
For the complete net-price picture, see the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. 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) | $22,775.00 |
| Average net price (off-campus) | $20,498.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $17,434.00 |
| $30,000 to $48,000 | $18,203.00 |
| $48,001 to $75,000 | $20,732.00 |
| $75,001 to $110,000 | $23,772.00 |
| Over $110,000 | $28,584.00 |
Use University of the Incarnate Word Net Price Calculator, or get in touch with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Typical debt at graduation from University of the Incarnate Word comes to $21,231.00, landing it in the Moderate ($20-30k) debt-burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,750.00 |
| 25th | $9,029.00 |
| Median (50th) | $21,231.00 |
| 75th | $31,000.00 |
| 90th | $42,056.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Explore borrowing, repayment, and default in detail on the student loan debt detail.
Debt at graduation is far from uniform across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $22,937.00 |
| Middle income | $21,500.00 |
| High income | $18,832.00 |
Graduates from lower-income families carry $4,105.00 in extra median debt compared with high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $21,500.00 |
| Continuing-generation students | $19,500.00 |
First-gen borrowers at University of the Incarnate Word graduate with $2,000.00 in additional median debt versus continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of University of the Incarnate Word amounts to $6,152.00. Federal data flags this school for Pell-related debt inequity.
The federal default-rate classification for University of the Incarnate Word is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.9% |
For a sense of scale, Stafford disbursements at University of the Incarnate Word come to $1,045,652,096.00 spread across 28,451 loan recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 651 |
| Avg GI Bill amount | $12,813.00 |
| DoD Tuition Assistance recipients | 98 |
| Avg DoD Tuition Assistance | $2,584.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about University of the Incarnate Word, think through the questions below:
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.