You would borrow a median $21,983 — about $250 a month for ten years. Graduates earn a median $54,211 ten years after starting, so the debt clears in roughly 1.5 years of the salary premium.
It is a fair deal, close to the national middle. What you study and what you borrow will matter more than the badge.
Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.
We do not list an award tied specifically to Sam Houston State University yet — but national, country and subject scholarships still apply to students heading there, and each one cuts the $21,983 above.
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The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. Sam Houston State University takes longer than that, and its graduates earn $14,691 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| Abilene Christian University Texas | C | $24,250 | $55,736 | 1.5 yrs |
| LeTourneau University Texas | C | $26,000 | $57,103 | 1.5 yrs |
| Tarleton State University Texas | C | $19,606 | $53,040 | 1.5 yrs |
| Southwestern University Texas | C | $25,000 | $56,878 | 1.4 yrs |
| University of the Incarnate Word Texas | C | $27,000 | $56,733 | 1.6 yrs |
Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.