Texas State University
San Marcos, Texas · Public · 89.3% acceptance rate
ROI Score: 63/100 · Fair Value
Data: 2024-25 College Scorecard release
Texas State University earns an ROI score of 63 out of 100, landing in the Fair Value tier and posting one of the better large-public results in our database. The school's $11,450 in-state tuition ($22,930 out-of-state) and $16,805 net price after aid produce a $67,220 four-year all-in that is competitive within the Texas public system. Graduates earn a median of $40,600 six years out and $56,906 at ten years, with $21,000 median debt and a healthy 0.52 debt-to-earnings ratio well below the federal warning line. The 9.5-year payback period is genuinely good for a public university. The 55.3% completion rate is moderate, dragging the score, and the 68.7% repayment rate is below national medians. Texas State has built genuinely strong engineering, nursing, CS, and accounting pipelines that produce B+ and B ROI grades, and the institution's I-35 corridor location between San Antonio and Austin drives strong placement into Texas's growing economy. The 36,177-student scale provides program breadth, and the high-payoff majors are clearly identifiable.
Texas State University
Quick Numbers
| In-state tuition + fees | $11,450/yr |
| Out-of-state tuition + fees | $22,930/yr |
| Average net price | $16,805/yr |
| Total 4-year cost (net) | $67,220 |
| Median earnings (10yr post-entry) | $56,906 |
| Median earnings (6yr post-entry) | $40,600 |
| Median debt at graduation | $21,000 |
| Estimated monthly loan payment | $223 |
| Estimated payback period | 9.5 years |
| 6-year graduation rate | 55.3% |
| Undergraduate enrollment | 36,177 |
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: $11,450/year ($22,930/year out-of-state). Here's the part that matters - almost nobody pays that. After grants, scholarships, and aid, the average student here pays a net price of $16,805/year, or roughly $67,220 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 $12,715/year here, while families earning over $110,000 pay $24,713/year.
Most students borrow to get here. The median graduate leaves owing $21,000 in federal loans, which works out to about $223 a month on the standard 10-year repayment plan. Hold that up against the $56,906 the typical graduate earns ten years out: the debt-to-earnings ratio comes to 0.52, within the range advisors call workable but worth keeping an eye on.
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 | $12,715 |
| $30,001 - $48,000 | $13,557 |
| $48,001 - $75,000 | $13,804 |
| $75,001 - $110,000 | $20,028 |
| $110,001+ | $24,713 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $12,715, and the $30,001-$48,000 band pays $13,557. Combined with Pell Grant eligibility and Texas state aid (TEXAS Grant), low-income families face roughly $51,000-$54,000 over four years. Against $56,906 ten-year earnings, this is a defensible deal even for soft majors. For STEM and nursing students, it is an exceptional return.
Middle-income families ($30K-$110K)
The $48,001-$75,000 band pays $13,804 (essentially flat with lower brackets), then the $75,001-$110,000 band jumps to $20,028. Middle-income families face roughly $55,000-$80,000 over four years. The lower-middle bracket sees one of the better deals in the Texas public system; the upper-middle bracket sees a meaningful step-up.
Higher-income families ($110K+)
Families above $110,000 pay $24,713, the highest in the grid. Over four years, high-income families absorb roughly $99,000 in cost. Still meaningfully below sticker (substantially below the $22,930 out-of-state tuition over four years), indicating institutional aid for in-state high-income families. For these families, Texas State is a defensible choice against UT Austin or A&M when the specific program fits.
Earnings by Major
Top 10 most popular majors at Texas State University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Psychology | $50,549 | C |
| Kinesiology and Exercise Science | $55,832 | D |
| Business Administration, Management, and Operations | $67,048 | C+ |
| Criminal Justice and Corrections | $52,447 | C+ |
| Public Relations, Advertising, and Applied Communication | $59,009 | C+ |
| Marketing | $71,539 | B |
| Computer Science | $104,127 | B+ |
| Finance and Financial Management | $75,100 | C+ |
| Biology | $55,605 | C |
| Radio, Television, and Digital Communication | $49,987 | 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.
Psychology
Psychology is Texas State's largest program at 508 graduates. First-year earnings of $33,936 climb to $50,549 at four years, with $23,250 median debt producing a 0.69 debt-to-earnings ratio and a C ROI grade. Most psychology bachelor's grads need additional training to monetize the degree; this program functions as a feeder to graduate study. Reasonable at in-state pricing.
Kinesiology and Exercise Science
Kinesiology graduates 423 students with $33,033 first-year and $55,832 four-year earnings. Median debt of $24,500 produces a 0.74 debt-to-earnings ratio and a D grade. The four-year recovery suggests substantial graduate school enrollment in PT, OT, and athletic training. Plan for graduate study as the cost picture's second leg.
Business Administration, Management, and Operations
Business Administration graduates 391 students with $45,306 first-year and $67,048 four-year earnings. Median debt of $20,500 produces a 0.45 debt-to-earnings ratio and a C+ grade. The Austin-San Antonio corridor absorbs many graduates into solid corporate roles. A reliable financial choice.
Computer Science
Computer Science graduates 226 students with outstanding outcomes: $70,906 first-year and $104,127 four-year earnings, with $24,445 median debt producing a 0.35 debt-to-earnings ratio and a B+ ROI grade. The Austin tech corridor drives top-tier placement at companies like Dell, IBM, Indeed, and a wide tech ecosystem. One of the cleanest financial wins in the entire database.
Construction Engineering Technology/Technician
Construction Engineering Technology is Texas State's standout program by ROI grade. 110 graduates earn $76,646 first-year and $100,352 four-year, with $22,718 median debt producing a 0.30 debt-to-earnings ratio and a B+ grade. Texas's enormous construction industry absorbs graduates at strong wages, and this program is genuinely one of the best financial decisions available at any public university in the country.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | 62.6% | 52.0% |
| 3-year repayment | 68.7% | 62.0% |
| 5-year repayment | 62.1% | 68.0% |
| 7-year repayment | 70.6% | 72.0% |
Completion Rate
Trends Over Time
How Texas State 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 | 89.3% |
| SAT Math (25th-75th) | 480-590 |
| SAT Reading (25th-75th) | 500-610 |
| ACT Composite (25th-75th) | 19-25 |
| Enrollment | 36,177 |
| Pell Grant recipients | 37.2% |
| Avg faculty salary (monthly) | $9,186 |
Texas State admits 89.3% of applicants, indicating a broadly accessible flagship-adjacent public institution. SAT mid-ranges of 480-590 in math and 500-610 in reading, plus an ACT mid-range of 19-25, place the academic profile slightly below national medians but typical for a large state university serving Texas's broad college-bound population. The 55.3% completion rate is moderate; the school's open-access posture admits a wider range of academic preparation than completion outcomes can fully support, but the bottom-half academic profile does finish at much higher rates than at non-selective privates.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Texas State's peer set is mostly other large regional publics. Angelo State University and Texas A&M-Corpus Christi are smaller Texas peers with comparable but slightly weaker results. Northern Arizona University and Colorado State University-Fort Collins are Western state peers with similar profiles. University of Maryland Global Campus is a different category (heavily online). Within Texas, Texas State sits below UT Austin and Texas A&M College Station but above most other regional Texas publics on ROI. The I-35 corridor location is a real structural advantage for graduate placement.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Texas State University (this school) | 63 | $16,805 | $56,906 |
| Colorado State University-Fort Collins | 69 | $21,279 | $60,543 |
| Northern Arizona University | 64 | $14,158 | $54,384 |
| University of Maryland Global Campus | 63 | $22,063 | $65,287 |
| Angelo State University | 49 | $15,091 | $50,116 |
| Texas A & M University-Corpus Christi | 48 | $15,225 | $51,865 |
Head-to-Head ROI Comparisons
See Texas State University side by side with similar schools on ROI, cost, earnings, and debt.
Who Thrives Here
Texas State enrolls 36,177 students with a 37.2% Pell rate, indicating a large mainstream-public student body with a substantial working-class share. The fit profile is a Texas resident wanting a large affordable public institution between Austin and San Antonio with strong engineering, nursing, CS, music, and design programs. The 55.3% completion rate is acceptable for the size and access mission. Students targeting Construction Engineering, Electrical Engineering, Computer Science, Nursing, or Accounting see outstanding ROI; students in the school's many soft majors see merely adequate financial outcomes against the modest in-state cost.
The Verdict: A Reasonable Bet - With Caveats
Texas State University is a fair-value bet, but how well it pays off depends a lot on you. At $16,805 a year after aid ($67,220 over four years), with the typical graduate earning $56,906 a decade out, the cost takes about 9.5 years to earn back. That's roughly average - not a bargain, not a mistake.
What to keep an eye on: concerning loan repayment rates.
Median debt of $21,000 against $56,906 in earnings is reasonable, though your major matters a lot here. Graduates in higher-earning fields will see the better end of this.
Texas State University: Common Questions
Is Texas State University worth it?
In our view, it's a fair-value bet - whether Texas State University is worth it depends a lot on your major and aid package. It scores 63/100 on our ROI scale. At $16,805 a year after aid ($67,220 over four years) against $56,906 in typical earnings a decade out, the cost takes about 9.5 years to earn back - roughly average.
How much does Texas State University cost after financial aid?
The average net price - what students actually pay after grants and scholarships - is about $16,805 a year, or roughly $67,220 over four years. That is the number to plan around, not the sticker price. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Texas State University graduates earn?
The typical graduate earns about $56,906 ten years after enrolling, roughly $15,106 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 Texas State 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 9.5 years for Texas State University. Most four-year schools we track land between 4 and 10 years.
How much debt do Texas State University graduates take on?
Median debt at graduation is about $21,000, against $56,906 in typical earnings a decade out. That is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at Texas State University?
The six-year graduation rate is 55.3%, below the 64% national average (NCES, 2022) - and not finishing is the fastest route to a poor return. 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.