East Texas A&M University
Commerce, Texas · Public · 92.2% acceptance rate
ROI Score: 51/100 · Below Average Value
Data: 2024-25 College Scorecard release
East Texas A&M University scores 51 (Below Average Value) on the CampusROI scale - a regional public university with a deeply split outcome profile. In-state tuition of $10,026 and net price of $11,841 make it affordable, but a 42.8% completion rate - fewer than half of entering students graduate - is the dominant weakness in this profile. The repayment rate at one year is just 51.5%, meaning nearly half of borrowers are not reducing principal within a year of leaving. However, select STEM and technical programs show strong outcomes: Computer and Information Sciences earns a B grade ($58,492 year-one, $100,394 at year four) and Registered Nursing posts $76,559 year-one. The largest program by graduate count is Multi/Interdisciplinary Studies at 337 graduates - earning only a C+ grade at $49,365 year-one. Criminal Justice (199 graduates) earns a D grade. The gap between ETAMU's best programs and its modal outcomes is wide. Students who can access the high-performing programs will find an affordable path; students in lower-ROI programs at a low completion rate institution face compounded risk.
East Texas A&M University
Quick Numbers
| In-state tuition + fees | $10,026/yr |
| Out-of-state tuition + fees | $22,326/yr |
| Average net price | $11,841/yr |
| Total 4-year cost (net) | $47,364 |
| Median earnings (10yr post-entry) | $50,296 |
| Average earnings (6yr post-entry) | $36,000 |
| Median debt at graduation | $20,500 |
| Estimated monthly loan payment | $217 |
| Estimated payback period | 12.2 years |
| 6-year graduation rate | 42.8% |
| Undergraduate enrollment | 9,912 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $10,026/year ($22,326/year out-of-state), which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $11,841/year, or roughly $47,364 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $9,709/year here, while families earning over $110,000 pay $20,005/year.
Among graduates who borrowed, the median federal loan debt from this school is $20,500, which works out to about $217 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($36,000) and comes to 0.57, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $9,709 |
| $30,001 - $48,000 | $10,346 |
| $48,001 - $75,000 | $12,067 |
| $75,001 - $110,000 | $17,230 |
| $110,001+ | $20,005 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families in the $0-$30,000 bracket pay $9,709 per year at ETAMU. Against in-state tuition of $10,026, this reflects minimal net aid reduction beyond standard federal grants. For low-income students, the 42.8% completion rate is the primary financial risk: not completing means debt without the degree. Students in this bracket should prioritize programs with strong labor market demand and clear four-year paths.
Middle-income families ($30K-$110K)
The $48,001-$75,000 bracket pays $12,067 per year. The $75,001-$110,000 bracket pays $17,230. Middle-income families are largely paying near-full cost of attendance at a school with modest institutional aid. The low absolute cost still makes ETAMU accessible, but the completion risk multiplies the effective cost for families who pay four-plus years of tuition without a degree outcome.
Higher-income families ($110K+)
Families earning $110,000+ pay $20,005 per year at ETAMU. This is well above in-state tuition, reflecting fees and on-campus living costs. For high-income Texas families, ETAMU's cost is low. Programs like CS and Nursing justify the investment; most other programs do not at this income level.
Earnings by Major
Top 10 most popular majors at East Texas A&M University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Multi/Interdisciplinary Studies, Other | $54,059 | C+ |
| Criminal Justice and Corrections | $46,596 | D |
| Liberal Arts and Sciences | $49,846 | D |
| Business Administration, Management, and Operations | $63,791 | C |
| Kinesiology and Exercise Science | $45,169 | C |
| Psychology | $46,639 | D |
| Registered Nursing | $76,559 | - |
| Computer and Information Sciences | $100,394 | B |
| Music | $55,438 | C+ |
| Accounting | $68,346 | C |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Computer and Information Sciences
Computer and Information Sciences is ETAMU's standout program: 62 graduates, $58,492 year-one, $100,394 at year four, B-grade ROI (debt-to-earnings 0.377) with median debt of $22,062. The year-four trajectory to $100k is exceptional for a regional public university and reflects strong regional tech demand in the Dallas-Fort Worth corridor accessible from Commerce. Against in-state tuition of $10,026, this is a high-value pathway.
Registered Nursing
Registered Nursing posts $76,559 year-one for 72 graduates. Scorecard does not report four-year earnings or ROI grade for this program, limiting the full picture. Year-one earnings of $76k are strong and consistent with regional nursing labor markets in Texas. Nursing is likely a high-return path at this institution even without a full earnings profile.
Multi/Interdisciplinary Studies, Other
Multi/Interdisciplinary Studies is ETAMU's largest program at 337 graduates: $49,365 year-one, $54,059 at year four, C+-grade ROI (debt-to-earnings 0.511) with median debt of $25,250. Year-one earnings of nearly $50k are not bad, but the four-year growth to $54k is flat - suggesting this catch-all degree designation captures many graduates whose career progression plateaus early. The large volume of graduates in this category is a concern.
Criminal Justice and Corrections
Criminal Justice is one of ETAMU's largest named programs at 199 graduates: $34,075 year-one, $46,596 at year four, D-grade ROI (debt-to-earnings 0.872) with median debt of $29,723. Nearly $30,000 in debt against $34,000 in starting earnings is a difficult start. Criminal justice graduates in East Texas enter law enforcement and corrections roles where wages are locally competitive but not high in absolute terms. The D grade reflects a genuine financial mismatch.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 51.5% | 68.8% |
| 3-year repayment | 59.0% | 73.6% |
| 5-year repayment | 50.9% | 67.7% |
| 7-year repayment | 55.9% | 72.8% |
Completion Rate
Trends Over Time
How East Texas A&M University’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 92.2% |
| SAT Math (25th-75th) | 430-570 |
| SAT Reading (25th-75th) | 480-580 |
| ACT Composite (25th-75th) | 18-24 |
| Enrollment | 9,912 |
| Pell Grant recipients | 40.5% |
| Avg faculty salary (monthly) | $8,866 |
ETAMU admits 92.2% of applicants - near-open enrollment with SAT 430-570 Math and 480-580 Reading and ACT 18-24. Admission to specific programs like nursing or engineering may require additional application steps. The wide ACT range reflects an institution that serves students across the academic preparation spectrum. Students should focus on completion pathways and use the university's advising resources actively.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| East Texas A&M University (this school) | 51 | $11,841 | $50,296 |
| Fort Hays State University | 52 | $12,569 | $48,928 |
| Central Michigan University | 51 | $17,597 | $55,874 |
| Angelo State University | 49 | $15,091 | $50,116 |
| University of Toledo | 48 | $17,249 | $50,632 |
| Texas A & M University-Corpus Christi | 48 | $15,225 | $51,865 |
Who Thrives Here
East Texas A&M admits 92.2% of applicants with SAT mid-ranges of 430-570 Math and 480-580 Reading; ACT composite 18-24. It is a broadly accessible regional university in Commerce, Texas, serving the East Texas population. The 9,912-student enrollment includes a substantial online population. Pell rate of 40.5% indicates significant low-income enrollment. Students should prioritize entering programs with documented Scorecard earnings data; the large share of graduates in interdisciplinary and general studies programs reflects degree-path decisions that correlate with lower outcomes.
The Verdict: Proceed With Caution
The money case for East Texas A&M University is mixed, and worth a hard look before you commit. At $11,841 per year after aid, the typical graduate earns $50,296 ten years after entry, which means it takes about 12.2 years to earn the cost back. For context, the median payback across the schools we score is about 12 years. Whether it's worth it comes down to your major and your aid package.
What to keep an eye on: its 42.8% graduation rate, a three-year loan repayment rate of 59.0% (median across the schools we score: 73.6%).
Median debt of $20,500 among graduates who borrowed, against average earnings of $36,000 six years after entry, gives a debt-to-earnings ratio of 0.57, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
East Texas A&M University: Common Questions
Is East Texas A&M University worth it?
In our view, the money case is mixed and worth a hard look before you commit. East Texas A&M University scores 51/100 on our ROI scale. At $11,841 a year after aid the typical graduate earns $50,296 ten years after entry, so it takes about 12.2 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does East Texas A&M University cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $11,841 a year, or roughly $47,364 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do East Texas A&M University graduates earn?
The typical graduate earns about $50,296 ten years after enrolling, roughly $8,496 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off East Texas A&M University?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 12.2 years for East Texas A&M University. The median across the schools we track is about 12 years.
How much debt do East Texas A&M University graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $20,500, against average earnings of $36,000 six years after entry - a debt-to-earnings ratio of 0.57. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at East Texas A&M University?
The six-year graduation rate is 42.8%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.