Cost & ROI · 2026
Is University of Mary Hardin-Baylor worth it?
Pay $26,106/yr after aid. Graduates earn a median of $56,132 ten years out — about 2.2× the annual cost. EduGradify value grade: D.
The ROI math, in 30 seconds
Benchmarks
University of Mary Hardin-Baylor vs Texas avg vs national avg
How this school stacks up against the typical Texas college and the typical US college.
| Metric | University of Mary Hardin-Baylor | Texas avg | National avg |
|---|---|---|---|
| Avg net price | ▼ $26,106 | $16,183 | $18,467 |
| Median earnings 10y | ▲ $56,132 | $48,157 | $50,834 |
| Median debt | ▼ $26,000 | $18,050 | $19,694 |
| Graduation rate | ▼ 49.3% | 44.3% | 49.9% |
| Acceptance rate | ▲ 95.8% | 75% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $187,496 over four years. Most students get $20,768/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $26,000 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 46% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median University of Mary Hardin-Baylor grad earns about $445,280 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about University of Mary Hardin-Baylor
The average student at University of Mary Hardin-Baylor pays $26,106 a year after grants and scholarships, against a $46,874 published sticker price. That is above the TX average net price of $16,183.
Ten years after entry, graduates earn a median of $56,132 — above the TX median of $48,157. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $26,000, roughly $282 a month on a standard ten-year plan — a moderate load at about 46% of one year's median earnings.
Smart alternatives
Cheaper Texas colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of University of Mary Hardin-Baylor.
Houston, TX · Private Non-Profit Rice University A+ 
El Paso, TX · Public The University of Texas at El Paso A Frequently asked
Cost & ROI questions
What is the net price at University of Mary Hardin-Baylor?
The average net price — what students actually pay after grants and scholarships — is $26,106 per year. That's $20,768/yr in financial aid against the $46,874 sticker price. Over four years, that adds up to roughly $104,424.
How much do University of Mary Hardin-Baylor graduates earn?
Ten years after enrolling, University of Mary Hardin-Baylor graduates earn a median of $56,132 per year — above the national average of $50,834. That's about 2.2× the annual net cost.
How much debt do University of Mary Hardin-Baylor graduates take on?
Median federal loan debt at graduation is $26,000 — about $282/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 60.7% of students take federal loans.
Is University of Mary Hardin-Baylor worth the cost?
EduGradify assigns University of Mary Hardin-Baylor a value grade of D — top 76% on real ROI nationally. The math: pay $26,106/yr, earn $56,132/yr ten years out, ROI score of 5.38. Exceptional Investment.
What financial aid is available at University of Mary Hardin-Baylor?
39.7% of students receive federal Pell Grants (need-based federal aid). 60.7% take federal student loans. On average, students get $20,768 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at University of Mary Hardin-Baylor?
In-state tuition is $32,020 per year. Out-of-state tuition is $32,020 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at University of Mary Hardin-Baylor?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $22,089. Students from families earning over $110k pay about $33,166. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →