Annual Costs

Undergraduate Tuition

Texas A & M University Commerce tuition is $4,790 per year for in-state residents. This is 33% cheaper than the national average public four year tuition of $7,203. The cost is 70% cheaper than the average Texas tuition of $15,819 for 4 year colleges. Tuition ranks 12th in Texas amongst 4 year colleges for affordability and is the 81st most expensive 4 year college in the state. If attending from out-of-state, the tuition is $17,240 which represents a 260% premium.

The school charges an additional fees of $3,958 in addition to tuition bringing the total effective in-state tuition to $8,748.

Housing Costs

On campus room and board is provided by the school at a cost of $9,422 per academic year. Students electing to live off campus elsewhere in Commerce should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,400.

Other Living Expenses

If living on-campus, students should budget for $3,413 in additional living expenses. Off-campus students should budget for $3,938 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Texas residents to go to A&M Commerce is $22,983 for the 2018/2019 academic year. Out-of-state students who don't have Texas residence can expect a one year cost of $35,433.

Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for Texas A & M University Commerce and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Texas A & M University Commerce
Estimated Budgets
Texas Resident Total Budget $22,983
   In-State Tuition$4,790
   Other Fees$3,958
   Room and Board$9,422
   On-Campus Other Budget$3,413
   Books and Supplies$1,400
Non-Resident Total Budget $35,433
   Out-of-State Tuition$17,240
   Other Fees$3,958
   Room and Board$9,422
   On-Campus Other Budget$3,413
   Books and Supplies$1,400


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $22,983 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported A&M Commerce net price for in-state students is $11,396* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

86% of Texas A & M University Commerce students received grant aid in 2014/2015. The average total aid amount was $9,529. 55 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,727. To apply for a Pell Grant to attend Texas A & M University Commerce, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Texas A & M University Commerce
Financial Aid Summary
Average Annual Net Price$11,396*
Percent of Students Receiving Grant Aid86%
Average Total Grant Aid$9,529
Percent of Students Receiving Pell Grants55%
Average Amount of Pell Grant Aid$4,727

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$9,420
$30,001 to $48,000$10,023
$48,001 to $75,000$11,421
$75,001 to $110,000$15,619

Average Financial Aid Mix - $22,983 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $22,983. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 49% - $9,529

Money granted to you by the U.S. Department of Education, Texas A & M University Commerce or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 28% - $5,489

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 23% -  $4,552

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. Texas A & M University Commerce
The University of Texas at Tyler27.8% more expensive
University of Science and Arts of Oklahoma25.9% more expensive
Northwestern Oklahoma State University33.9% more expensive
Pittsburg State University18.9% more expensive
Missouri State University Springfield32.8% more expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at Texas A & M University Commerce.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at A&M Commerce is $91,932 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $9,047 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $36,188**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $114,915 or $45,235 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at Texas A & M University Commerce.

Texas Resident Tuition Per Semester$2,395
Texas Resident Total Cost Per Semester$11,492
Non-Texas Resident Tuition Per Semester$8,620
Non-Texas Resident Total Cost Per Semester$17,716

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Texas A & M University Commerce are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Texas A & M University Commerce
Price per credit hour for Texas residents$160
Cost for one class for Texas residents (3 credit hours)$480
Price per credit hour for out of state residents$575
Cost for one class for out of state residents (3 credit hours)$1,725
Cost for one class for out of state residents (4 credit hours)$2,300


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 57% of Texas A & M University Commerce students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,489.

Example Loan Payments and Costs

How much are student loan payments for Texas A & M University Commerce? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $36,188, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $44,901.01. This could be your effective total out of pocket cost of an education at Texas A & M University Commerce. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 86% of students at this school who receive financial aid and you are paying an average annual net price of $9,047. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Texas A & M University Commerce student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Texas A & M University Commerce Student Loan Payments
Example Payments
Monthly Loan Payment$374.18
Amount Borrowed$36,188.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$8,713.01
Sum of All Payments over 10 years$44,901.01

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend A&M Commerce? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Texas A & M University Commerce, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $44,901.01 would be needed to afford a $374.18 monthly payment in the example $36,188.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Texas A & M University Commerce in the future? Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $91,932.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Texas A & M University Commerce.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$31,607$126,428
Estimated Cost in 10 years for students enrolling in 2030$40,339$161,358
Estimated Cost in 15 years for students enrolling in 2035 $51,484$205,938
Estimated Cost in 18 years for students enrolling in 2038 $59,600$238,399

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Texas A & M University Commerce to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Multi-/Interdisciplinary Studies, Other Bachelor's Degree 560 15% cheaper
Business Administration and Management, General Bachelor's Degree 84 3% costlier
Psychology, General Bachelor's Degree 39 12% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 38 2% cheaper
Criminal Justice/Safety Studies Bachelor's Degree 31 4% costlier
Social Work Bachelor's Degree 29 2% cheaper
Liberal Arts and Sciences/Liberal Studies Bachelor's Degree 26 12% cheaper
Agriculture Bachelor's Degree 25 8% costlier
Accounting Bachelor's Degree 23 5% cheaper
Sociology Bachelor's Degree 21 14% cheaper
Music, General Bachelor's Degree 20 14% cheaper
Kinesiology and Exercise Science Bachelor's Degree 19 8% cheaper
Finance, General Bachelor's Degree 16 5% cheaper
Special Education and Teaching, General Bachelor's Degree 16 0% cheaper
Fine/Studio Arts, General Bachelor's Degree 16 18% cheaper
Marketing/Marketing Management, General Bachelor's Degree 15 3% cheaper
Animal Sciences, General Bachelor's Degree 15 3% cheaper
History, General Bachelor's Degree 15 13% cheaper
Construction Engineering Technology/Technician Bachelor's Degree 14 5% costlier
Sport and Fitness Administration/Management Bachelor's Degree 14 6% cheaper
Environmental Science Bachelor's Degree 14 17% cheaper
Photography Bachelor's Degree 12 21% cheaper
Business/Commerce, General Bachelor's Degree 11 6% cheaper
Radio and Television Bachelor's Degree 11 8% cheaper
Rhetoric and Composition Bachelor's Degree 10 5% cheaper
Health Teacher Education Bachelor's Degree 9 0% costlier
Information Science/Studies Bachelor's Degree 8 9% cheaper
Agribusiness/Agricultural Business Operations Bachelor's Degree 7 18% costlier
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 7 17% cheaper
Journalism Bachelor's Degree 6 8% cheaper
Commercial and Advertising Art Bachelor's Degree 6 7% cheaper
Spanish Language and Literature Bachelor's Degree 6 18% cheaper
Wildlife, Fish and Wildlands Science and Management Bachelor's Degree 6 5% costlier
Industrial Engineering Bachelor's Degree 6 12% cheaper
Graphic Design Bachelor's Degree 5 12% cheaper
Criminology Bachelor's Degree 5 13% cheaper
Industrial Technology/Technician Bachelor's Degree 5 19% costlier
Public Relations/Image Management Bachelor's Degree 5 10% cheaper
Computer and Information Sciences, General Bachelor's Degree 5 4% cheaper
Chemistry, General Bachelor's Degree 4 15% cheaper
Social Sciences, General Bachelor's Degree 4 8% cheaper
General Studies Bachelor's Degree 3 5% costlier
Economics, General Bachelor's Degree 3 21% cheaper
Physics, General Bachelor's Degree 3 19% cheaper
Animation, Interactive Technology, Video Graphics and Special Effects Bachelor's Degree 2 13% cheaper
Legal Assistant/Paralegal Bachelor's Degree 2 14% costlier
Human Resources Management/Personnel Administration, General Bachelor's Degree 2 2% costlier
Political Science and Government, General Bachelor's Degree 2 15% cheaper
Management Information Systems, General Bachelor's Degree 2 4% cheaper
Agricultural Economics Bachelor's Degree 1 7% cheaper
Atomic/Molecular Physics Bachelor's Degree 1 21% cheaper
Health Professions Bachelor's Degree 1 7% cheaper
Mathematics, General Bachelor's Degree 1 14% cheaper
English Language and Literature, General Bachelor's Degree 1 12% cheaper
Music Performance, General Bachelor's Degree 1 11% cheaper
Biology/Biological Sciences, General Bachelor's Degree 1 12% cheaper


Use the calculators below to formulate a college savings plan for Texas A & M University Commerce or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Texas A & M University Commerce in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Texas A & M University Commerce student loan.

Prepayment Option

About Texas A & M University Commerce

Texas A & M University Commerce is a four year public college located in Commerce, Texas.  Full time enrollment is 7,179 and part time is 5,232. Learn more about getting accepted at Texas A & M University Commerce at CollegeSimply.

Students attending this school may pursue both undergraduate and graduate degrees.

Texas A & M University Commerce
2600 South Neal
Commerce, Texas

For Profit / Not For Profit Status

Texas A & M University Commerce is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

Texas A & M University Commerce cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=224554 IPEDS survey data.