UT Austin Loans, Tuition, Costs & More
This is the complete guide to UT Austin tuition, costs and student loans. If you’re considering The University of Texas at Austin (UT), you’re likely focussed on that huge, glaring sticker price: $N/A.
If you’re still trying to figure out if you can get into the school, try our college chances calculator for UT Austin
That expensive sticker price can be extremely misleading and does not usually represent the true cost of UT Austin. The reality is that a huge percentage of students who attend UT Austin do not pay that number.
What you are most likely concerned with is what you and your family will pay for The University of Texas at Austin (UT), which is dependent on a range of factors from family income to state residency.
Before we get started, if you have any doubts about your ability to afford UT Austin and are interested in student loans to support your education, the below vendors specifically lend to UT Austin students - click any of them to learn more about their rates and requirements.
- AFFORDABLE fixed rates starting at 3.39% APR with Automatic Debit Discount*
- 1% CASH BACK Graduation Reward*
- NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
- PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
- FORGET FEES – No application, origination or disbursement fees. No late fees and no prepayment penalty if you choose to pay your loan off early.
- COVER UP TO 100% of your tuition and eligible living expenses.
- Competitive APRs starting at 3.47%1
- Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum) 2
- Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
- Flexible payment terms ranging from 5, 8, 10, and 15 years3
- No origination, application and processing fees, no fees for early repayment
- Apply online in 3 minutes and get an instant credit decision
- Applying with a cosigner can increase your chances of getting approved and could result in a lower interest rate
- Check your eligibility in just 2 minutes
- Flexible repayment options you can choose from
- No fees for origination, disbursement, prepayment, or late payment3
- Skip a payment once per year (once repayment period restarted)4
- Will cover up to 100% of the school's certified cost of attendance
- 9-month grace period (3 months more than most lenders)2
- Apply over the phone with the Client Happiness Team
- Call 866-492-1222, Monday through Friday, 5 A.M. - 5 P.M. PST
- Mention us when you call in to start your application
- Fixed rates range from 2.71% to 7.38% APR (with Auto-Pay Discount)1
- Fixed or variable rate loans with terms of 5, 7, 10, 15 or 20 years
- Zero origination fees; zero application fees
- Flexible repayment options including Immediate, Interest-only and In-school deferred
- Available for undergraduate, graduate, MBA, medical, law, and professional degrees
- Available for Texas residents and students attending Texas accredited schools
- Variable Rates: 6.39% APR – 10.68% APR; Fixed Rates: 6.89% APR – 10.68% APR (with auto debit discount).1
- Multiple repayment options available including deferred, interest-only, and immediate.
- Repayment terms of 5, 10, or 15 years available.
- Absolutely no fees – no origination fee, no late fee, and no prepayment penalty.
- 0.25% discount when you make payments via auto debit.
- Ability to borrow for prior loan periods (restrictions apply).
- No application fees, origination fees, or late payments
- Prequalify in minutes
- Lone terms available from 5, 7, 10, 15 or 20 years
- Reduce your rate by up to 0.50% for building a good payment history
- Early cosigner release
- No origination fees, application fees or prepayment penalties
- Network of 300+ community lenders = higher chances for approval and lower rates
- Available for undergraduate & grad school student loans
- 0.25% interest rate reduction with automatic payments
- Cosigner release available after 24 months of on-time payments
- Dedicated customer care team
- 30-day no-fee return policy for all borrowers
- Funds can be used to pay for qualified education expenses: Tuition, Room & Board, Books, Computer(s), and More!
- Choose the #1 Private Student Loan Lender in the Nation. Sallie Mae is trusted by more families than any other private student loan lender.
- Variable Rates: 4.54% APR - 14.71% APR. Fixed Rates: 3.49% APR - 15.49% APR. Lowest rates shown include 0.25 percentage point interest rate discount with auto debit payments.1
- Applying online is easy - you could receive a credit result in about 10 minutes.2
- Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty2
- Last year, students were 4x more likely to be approved with a cosigner3 and it may help you get a better rate.
- Borrow up to 100% of school-certified expenses, whether you're online or on campus4
- All online, all easy.
- SoFi private student loans cover up to 100% of school-certified costs.
- No fees required.
- Repay your way with flexible repayment options (find the monthly student loan payment and rate that fits your budget).
- Applying with a cosigner may increase your chances of approval and getting a better rate.
- Over 1 million students have chosen SoFi.
- Prequalification: Prequalify to estimate your rate without affecting your credit score
- Online Application Process: Submit online application in minutes
- Flexible Repayment Options: ELFI offers immediate, interest only, partial payment, and fully deferred repayment options
- No Fees: No application fees, origination fees, or prepayment penalties
- Low Rates: Fixed rates from 3.69% to 14.22% and variable rates from 5.00% - 13.97%*
- Award winning Customer Service: Individually paired Student Loan Advisor to guide you through the application process
- Variable Rates: 6.39% APR – 10.68% APR; Fixed Rates: 6.89% APR – 10.68% APR (with auto debit discount)1.
- Multiple repayment options available including deferred, interest-only, and immediate.
- Repayment terms of 5, 10, or 15 years available.
- Absolutely no fees – no origination fee, no late fee, and no prepayment penalty.
- 0.25% discount when you make payments via auto debit.
- Ability to borrow for prior loan periods (restrictions apply).
- Get a rate quote in about 2 minutes with no impact to your credit score.2
- Applying with a qualified cosigner could improve your chances of approval and could even get you a lower rate.3
- After applying, you may qualify for Multi-Year Approval.4 This means you wouldn’t have to reapply next year. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score!
- Choose from flexible repayment options that best fit your current situation.
- No origination, application, or disbursement fees.
- No penalty for paying more than the minimum payment or paying your loan off early.
- A Citizens Student Loan™ could cover 100% school-certified costs.
Now, let’s break down that scary sticker price first.
How much is UT Austin tuition?
The stated tuition for out-of-state students at The University of Texas at Austin (UT) is $37580 while in-state students pay $10610. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending UT Austin.
Essentially, tuition is only what you pay to attend classes at UT Austin. The annual charge of $37580 or $10610 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of UT Austin is much higher than either of these prices (more on this later).
At the same time, however, tuition does not take into account factors that can help a student or family afford college, such as scholarships, student loans and grants.
Therefore, although an important benchmark, the $10610 for The University of Texas at Austin (UT) is likely not a good indicator of what you can expect to pay if you attend the school.
What is the total cost of UT Austin?
If you’re already thinking of this question, you’re one step ahead of us! And you’re on the right track… .The total cost of attending UT Austin is $N/A and is much more indicative of how much you will pay over the course of one year to attend the school - with one BIG caveat: total cost excludes financial supports that help reduce the cost of attending school, like scholarships at UT Austin.
Still, if you do not plan on receiving financial aid, student loans and the like then the The University of Texas at Austin (UT) cost of attendance is the best indicator to consider.
What does the total cost of UT Austin include?
The total cost of UT Austin includes tuition and other common, material expenses, like textbooks and supplies, room and board, and meal costs, minus the average amount of financial aid and scholarships.
Importantly, this does not reflect the price you will likely pay based on your income bracket.
What is the price of room and board at UT Austin?
UT Austin doesn’t report the cost of rooming and dorms. However, we know that average room and board costs from private universities around the country is estimated to be about $10,800. Although there is variability in this price, mostly determined by school location, UT Austin dorm costs are likely similar give or take 10%.
UT Austin doesn’t report meal/boarding charges.
The combined room and board charge for UT Austin is $10070.
How much is UT Austin out of state tuition?
Out of state tuition for UT Austin is $37580.
How much is The University of Texas at Austin (UT) in state tuition?
In state state tuition for UT Austin is $10610.
How can I afford UT Austin?
You should use a variety of financial tools to offset the cost of UT Austin.
It’s easy to lose track of all the assets at your disposal, but the most common can be categorized into grants, loans, and scholarships.
At The University of Texas at Austin (UT), 0.2262% of students receive a pell grant. Furthermore, 0.3598% of students borrow federal student loans to help pay for the school.
If you will use student loans to help pay for UT Austin, these providers below all work with UT Austin students.
- AFFORDABLE fixed rates starting at 3.39% APR with Automatic Debit Discount*
- 1% CASH BACK Graduation Reward*
- NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
- PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
- FORGET FEES – No application, origination or disbursement fees. No late fees and no prepayment penalty if you choose to pay your loan off early.
- COVER UP TO 100% of your tuition and eligible living expenses.
- Competitive APRs starting at 3.47%1
- Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum) 2
- Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
- Flexible payment terms ranging from 5, 8, 10, and 15 years3
- No origination, application and processing fees, no fees for early repayment
- Apply online in 3 minutes and get an instant credit decision
- Applying with a cosigner can increase your chances of getting approved and could result in a lower interest rate
- Check your eligibility in just 2 minutes
- Flexible repayment options you can choose from
- No fees for origination, disbursement, prepayment, or late payment3
- Skip a payment once per year (once repayment period restarted)4
- Will cover up to 100% of the school's certified cost of attendance
- 9-month grace period (3 months more than most lenders)2
- Apply over the phone with the Client Happiness Team
- Call 866-492-1222, Monday through Friday, 5 A.M. - 5 P.M. PST
- Mention us when you call in to start your application
- Fixed rates range from 2.71% to 7.38% APR (with Auto-Pay Discount)1
- Fixed or variable rate loans with terms of 5, 7, 10, 15 or 20 years
- Zero origination fees; zero application fees
- Flexible repayment options including Immediate, Interest-only and In-school deferred
- Available for undergraduate, graduate, MBA, medical, law, and professional degrees
- Available for Texas residents and students attending Texas accredited schools
- Variable Rates: 6.39% APR – 10.68% APR; Fixed Rates: 6.89% APR – 10.68% APR (with auto debit discount).1
- Multiple repayment options available including deferred, interest-only, and immediate.
- Repayment terms of 5, 10, or 15 years available.
- Absolutely no fees – no origination fee, no late fee, and no prepayment penalty.
- 0.25% discount when you make payments via auto debit.
- Ability to borrow for prior loan periods (restrictions apply).
- No application fees, origination fees, or late payments
- Prequalify in minutes
- Lone terms available from 5, 7, 10, 15 or 20 years
- Reduce your rate by up to 0.50% for building a good payment history
- Early cosigner release
- No origination fees, application fees or prepayment penalties
- Network of 300+ community lenders = higher chances for approval and lower rates
- Available for undergraduate & grad school student loans
- 0.25% interest rate reduction with automatic payments
- Cosigner release available after 24 months of on-time payments
- Dedicated customer care team
- 30-day no-fee return policy for all borrowers
- Funds can be used to pay for qualified education expenses: Tuition, Room & Board, Books, Computer(s), and More!
- Choose the #1 Private Student Loan Lender in the Nation. Sallie Mae is trusted by more families than any other private student loan lender.
- Variable Rates: 4.54% APR - 14.71% APR. Fixed Rates: 3.49% APR - 15.49% APR. Lowest rates shown include 0.25 percentage point interest rate discount with auto debit payments.1
- Applying online is easy - you could receive a credit result in about 10 minutes.2
- Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty2
- Last year, students were 4x more likely to be approved with a cosigner3 and it may help you get a better rate.
- Borrow up to 100% of school-certified expenses, whether you're online or on campus4
- All online, all easy.
- SoFi private student loans cover up to 100% of school-certified costs.
- No fees required.
- Repay your way with flexible repayment options (find the monthly student loan payment and rate that fits your budget).
- Applying with a cosigner may increase your chances of approval and getting a better rate.
- Over 1 million students have chosen SoFi.
- Prequalification: Prequalify to estimate your rate without affecting your credit score
- Online Application Process: Submit online application in minutes
- Flexible Repayment Options: ELFI offers immediate, interest only, partial payment, and fully deferred repayment options
- No Fees: No application fees, origination fees, or prepayment penalties
- Low Rates: Fixed rates from 3.69% to 14.22% and variable rates from 5.00% - 13.97%*
- Award winning Customer Service: Individually paired Student Loan Advisor to guide you through the application process
- Variable Rates: 6.39% APR – 10.68% APR; Fixed Rates: 6.89% APR – 10.68% APR (with auto debit discount)1.
- Multiple repayment options available including deferred, interest-only, and immediate.
- Repayment terms of 5, 10, or 15 years available.
- Absolutely no fees – no origination fee, no late fee, and no prepayment penalty.
- 0.25% discount when you make payments via auto debit.
- Ability to borrow for prior loan periods (restrictions apply).
- Get a rate quote in about 2 minutes with no impact to your credit score.2
- Applying with a qualified cosigner could improve your chances of approval and could even get you a lower rate.3
- After applying, you may qualify for Multi-Year Approval.4 This means you wouldn’t have to reapply next year. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score!
- Choose from flexible repayment options that best fit your current situation.
- No origination, application, or disbursement fees.
- No penalty for paying more than the minimum payment or paying your loan off early.
- A Citizens Student Loan™ could cover 100% school-certified costs.
How much will I pay for UT Austin?
This is the million dollar question - literally! UT Austin students pay a variety of prices to attend the institution, as you already know. A very easy way to determine an average price you can expect to pay is by using your average family income and comparing it to the table below.
For additional insight, try using the The University of Texas at Austin (UT) net price calculator.
| Family Annual Income | Average Net Price for UT Austin |
|---|---|
| $0 - 30,000 | 11374 |
| $30,001 - 48,000 | 12371 |
| $48,001 - 75,000 | 14906 |
| $75,001 - 110,000 | 19869 |
| $110,001+ | 23958 |
How much debt will I graduate with from UT Austin?
Beyond the years you plan on spending at The University of Texas at Austin (UT), the financial repercussions of UT Austin tuition will stay with you for awhile, especially if you take out loans to finance the education.
The median debt for students who have completed a degree at UT Austin is $20000.0. We can break down this number further by household income and student type (see where you might fit in):
| Family Income and Student Types | Median Debt from UT Austin |
|---|---|
| $0 - 30,000 Family income | 16513.0 |
| $30,001 - 75,000 Family income | 18673.0 |
| $75,000+ Family income | 18500.0 |
| The median debt for Pell students | 18750.0 |
| The median debt for female students | 17754.0 |
| The median debt for male students | 18500.0 |
| The median debt for first-generation students | 18467.0 |
Is UT Austin worth the cost?
Going to college is an investment, and like all investments, you should look at the ROI of attending The University of Texas at Austin (UT).
Luckily, we can provide some insightful data to help determine whether or not UT Austin is worth the cost by examining what past graduates are earning now.
The average salary of students who were working six years after graduating from UT Austin is $52200 (the median is $46000).
After 8 years, the average salary for UT Austin graduates is $N/A.
10 years out, the average salary for UT Austin graduates is $73900.
I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether UT Austin is worth the cost. The real upside of a college degree is that it puts you on a path where your future salary can increase substantially, and it may be hard to achieve that upside without a college degree.
For example, after graduating from UT Austin you may get a job where the salary is not too much more than you’d make without a college degree, and you may have taken out a lot of loans to get there!
However, if you stay in that position for 5 or 10 years, you will likely begin doubling and tripling what you’re making.
The future earnings potential is going to be much higher if you go to UT Austin compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.
How do UT Austin graduates fare compared to similar schools?
This is an important question because if you’re considering UT Austin, you likely have other options on the table.
Often times, students enroll in the cheapest university available to them. But, as we know from above, this isn’t the whole story.
For example, you would pay 5% more for a college if you knew the average salary would also be 10% higher, wouldn’t you?
There’s a lot of reasons why the average salary for UT Austin students would differ from its peer schools. Perhaps the most popular areas of study align with higher or lower paying careers, or the school has a massive and supportive alumni network.
Here are just a few related schools to UT Austin that may be of interest. Click on any one to break down their costs and performance outcomes further.
| Related School | Average Net Price | Average Salary after 10 years |
|---|---|---|
| Grand Canyon University (GCU) | N/A | 58500 |
How much does UT Austin cost per semester?
Assuming there are two semesters at UT Austin and you are an in-state student, you will pay $5305 per semester. If you are out-of-state, you will pay $18790 per semester.
How much does UT Austin cost per year?
This is effectively the total annual cost of UT Austin, which is $N/A. However, you can also add room and board, textbooks, and other fees listed above onto that number to better determine how you will really spend in one year of attendance.
Is it possible to attend UT Austin for free?
In theory, yes it is possible to attend UT Austin for free. If you are a stellar student, you may get a scholarship to cover the entire cost of the education.
Similarly, if you are a student athlete, you may receive a full scholarship to be on a sports team.
Unless you are receiving a “full ride” (e.g. full scholarship) to attend UT Austin, though, it won’t be free. If you take out loans to finance the school, you may pay very little in the near term but all of that money must still be paid off in the long term.
If you're trying to get in to UT Austin read about the requirements here
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