10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$73,810at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
Texas Tech University
Lubbock, TX · 92 field-and-degree records
Earnings reported for 90 · Federal debt reported for 60
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$73,810 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
14.0 yrsTime to earn back the modeled cost
−29%Estimated return after 10 years
$63,247Observed earnings · year 5
$618Highest annual price before payoff reaches $0
The price benchmark would need to fall by $18,453 per year to reach it.
Start with your question
What do you want to understand?
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $11,303 housing and food allowance plus $4,731 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price+$2,470
$8,000Annual price−$29,530
$16,000Annual price−$61,530
$19,000Current college-wide context−$73,530
$24,000Annual price−$93,530
$32,000Annual price−$125,530
$40,000Annual price−$157,530
HOW STUDENTS ATTEND · 2023-24
Online study is a meaningful part of the student experience.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Southern Association of Colleges and Schools Commission on Colleges
- Main award level
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
173 high-school students took college courses.
IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.
This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.
STATE PRICE CONTEXT · 2024
Prices in Texas run 3% below the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$19,070Average net price / year
$27,443Cost of attendance
$21,500Median federal student debt · completer borrowers
$228/moPublished 10-year payment estimate
$63,247Median earnings · year 5 after completion
68.7%Completion rate
72.7%Admission rate
1,190Average SAT score
26ACT midpoint
32,394Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about Texas Tech University
What does Texas Tech University cost?
Texas Tech University reports an average annual net price of $19,070 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Texas Tech University graduates earn?
The observed median earnings figure is $63,247 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Texas Tech University graduates have?
Completer borrowers report median cumulative federal student debt of $21,500. Parent PLUS and private loans are not included.
Is every degree at Texas Tech University worth the same?
No. The current release contains 92 field-and-degree records for Texas Tech University; 90 report year-4 earnings and 60 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
43,964Students enrolled at any point
34,543Undergraduate students
9,421Graduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
63% received a Pell Grant within eight yearsMedian Parent PLUS debt
2,232 parent borrowers in the reported cohortMedian federal student debt
58% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$57,735Earnings are not a guarantee
Middle income$60,567Earnings are not a guarantee
Higher income$67,790Earnings are not a guarantee
Three-year repayment progress
Lower income53%
Middle income65%
Higher income76%
Undergraduate student composition
White52%
Black6%
Hispanic30%
Asian3%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
INDEPENDENT CENSUS EARNINGS VIEW
How earnings develop by field
Privacy-protected Census employment records follow graduate cohorts one, five and ten years after completion. This source is kept separate from College Scorecard because its population and methodology differ.
Field and credentialYear 1Year 5Year 10
Accounting and Related Services.Doctoral, research/scholarship · Broad federal field 52
$132,649Year 1
$143,939Year 5
$161,741Year 10
Computer Programming.Master’s degree · Broad federal field 11
$78,625Year 1
$127,414Year 5
$160,199Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Master’s degree · Broad federal field 14
$81,072Year 1
$116,467Year 5
$156,573Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Doctoral, research/scholarship · Broad federal field 14
$88,708Year 1
$140,007Year 5
$148,888Year 10
Accounting and Related Services.Master’s degree · Broad federal field 52
$71,863Year 1
$106,961Year 5
$142,876Year 10
Computer Programming.Bachelor’s degree · Broad federal field 11
$68,891Year 1
$104,777Year 5
$140,692Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Bachelor’s degree · Broad federal field 14
$76,722Year 1
$102,674Year 5
$137,211Year 10
Law.Doctoral, professional practice · Broad federal field 22
$77,482Year 1
$106,854Year 5
$131,563Year 10
Median annual earnings in 2023 dollars. Each time point may use a different pooled graduation cohort. Coverage is limited to institutions participating in the Census Post-Secondary Employment Outcomes program.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$46,893Year 1
$66,144Year 4
$63,247Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Petroleum Engineering · Bachelor's Degree$139,8642Information Science/Studies · Master's Degree$118,4053Computer and Information Sciences, General · Bachelor's Degree$113,0624Business Administration, Management and Operations · Master's Degree$110,8655Electrical, Electronics, and Communications Engineering · Bachelor's Degree$107,1106Construction Engineering · Bachelor's Degree$102,3127Law · First Professional Degree$100,7168Chemical Engineering · Bachelor's Degree$99,747Observed year-4 earnings · compare the same field and credential across colleges
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
1Family and Consumer Economics and Related StudiesBachelor's Degree · $78,435 reported+47%vs same-degree national median$27,750federal debt2Family and Consumer Economics and Related StudiesMaster's Degree · $92,464 reported+45%vs same-degree national medianNot availablefederal debt3Rhetoric and Composition/Writing StudiesMaster's Degree · $75,064 reported+36%vs same-degree national medianNot availablefederal debt4Petroleum EngineeringBachelor's Degree · $139,864 reported+33%vs same-degree national median$26,090federal debt5MusicBachelor's Degree · $57,043 reported+33%vs same-degree national median$27,816federal debt6Science, Technology and SocietyBachelor's Degree · $88,953 reported+32%vs same-degree national median$28,750federal debt
Comparable colleges in TX
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Houston, TX
University of Houston
- Annual net price
- $14,276
- Observed earnings · year 5
- $63,161
- Modeled 10-year ROI
- -23%
University of Houston-Clear Lake
- Annual net price
- $15,563
- Observed earnings · year 5
- $59,421
- Modeled 10-year ROI
- -40%
Texas State University
- Annual net price
- $16,805
- Observed earnings · year 5
- $57,874
- Modeled 10-year ROI
- -48%
The University of Texas at Tyler
- Annual net price
- $13,323
- Observed earnings · year 5
- $61,130
- Modeled 10-year ROI
- -31%
Compare fields and degree levels
Showing the 40 highest-earning records from 92 field-and-degree records. Use the program directory to search the complete set.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Petroleum Engineering | Bachelor's Degree | $139,864 | $26,090 | 0 |
| Information Science/Studies | Master's Degree | $118,405 | Not available | Not reported |
| Computer and Information Sciences, General | Bachelor's Degree | $113,062 | $23,197 | Not reported |
| Business Administration, Management and Operations | Master's Degree | $110,865 | Not available | Not reported |
| Electrical, Electronics, and Communications Engineering | Bachelor's Degree | $107,110 | $26,000 | Not reported |
| Construction Engineering | Bachelor's Degree | $102,312 | $24,098 | 0 |
| Law | First Professional Degree | $100,716 | Not available | Not reported |
| Chemical Engineering | Bachelor's Degree | $99,747 | $28,000 | Not reported |
| Industrial Engineering | Bachelor's Degree | $98,266 | $29,000 | Not reported |
| Mechanical Engineering | Bachelor's Degree | $98,113 | $25,396 | Not reported |
| Accounting and Related Services | Master's Degree | $97,392 | Not available | Not reported |
| Educational Assessment, Evaluation, and Research | Doctoral Degree | $92,899 | Not available | 0 |
| Computer Engineering | Bachelor's Degree | $92,615 | $27,000 | 0 |
| Family and Consumer Economics and Related Studies | Master's Degree | $92,464 | Not available | Not reported |
| Civil Engineering | Master's Degree | $90,540 | Not available | Not reported |
| Environmental/Environmental Health Engineering | Bachelor's Degree | $90,143 | $19,750 | Not reported |
| Civil Engineering | Bachelor's Degree | $89,969 | $27,000 | Not reported |
| Clinical, Counseling and Applied Psychology | Doctoral Degree | $89,918 | Not available | 13 |
| Accounting and Related Services | Bachelor's Degree | $89,891 | $21,673 | 0 |
| Environmental/Environmental Health Engineering | Master's Degree | $89,607 | Not available | Not reported |
| Science, Technology and Society | Bachelor's Degree | $88,953 | $28,750 | 0 |
| Finance and Financial Management Services | Bachelor's Degree | $86,795 | $21,500 | 34 |
| Business/Commerce, General | Bachelor's Degree | $86,278 | Not available | 11 |
| Public Administration | Master's Degree | $84,635 | Not available | Not reported |
| Information Science/Studies | Bachelor's Degree | $81,289 | $25,000 | Not reported |
| Public Relations, Advertising, and Applied Communication | Master's Degree | $81,195 | Not available | Not reported |
| Family and Consumer Economics and Related Studies | Bachelor's Degree | $78,435 | $27,750 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $75,702 | $21,174 | 0 |
| Curriculum and Instruction | Doctoral Degree | $75,455 | Not available | 21 |
| Rhetoric and Composition/Writing Studies | Master's Degree | $75,064 | Not available | Not reported |
| Architecture | Master's Degree | $74,979 | Not available | Not reported |
| Geological and Earth Sciences/Geosciences | Bachelor's Degree | $74,591 | $25,750 | Not reported |
| Marketing | Bachelor's Degree | $72,953 | $21,117 | Not reported |
| Chemistry | Bachelor's Degree | $70,673 | $27,243 | Not reported |
| Agricultural Business and Management | Bachelor's Degree | $69,689 | $19,588 | 1 |
| Mathematics | Bachelor's Degree | $69,664 | $29,750 | 7 |
| Microbiological Sciences and Immunology | Bachelor's Degree | $69,628 | $22,985 | Not reported |
| Nutrition Sciences | Master's Degree | $69,015 | Not available | Not reported |
| Economics | Bachelor's Degree | $68,973 | $27,125 | Not reported |
| Specialized Sales, Merchandising and Marketing Operations | Bachelor's Degree | $66,440 | $22,317 | Not reported |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Search every Texas Tech University program record →Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.