You would borrow a median $21,500 — about $244 a month for ten years. Graduates earn a median $62,454 ten years after starting, so the debt clears in roughly 0.9 years of the salary premium.
Yes — you clear the borrowing faster than at most US universities.
Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.
Every dollar you win is a dollar you never repay — and it moves the 0.9-year payback above. We list 3 scholarships tied to Texas Tech University.
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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. Texas Tech University clears its debt faster than that, and its graduates earn $22,934 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| University of Texas at Tyler Texas | C | $17,137 | $57,053 | 1 yrs |
| Baylor University Texas | B | $23,000 | $65,793 | 0.9 yrs |
| University of Texas Permian Basin Texas | C | $17,750 | $56,073 | 1.1 yrs |
| University of Houston Texas | B | $18,194 | $62,377 | 0.8 yrs |
| University of North Texas Texas | C | $19,250 | $57,010 | 1.1 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.