Texas State University vs Concordia University Texas: which has better ROI?
Concordia University Texas has the better ROI: it clears its 4-year net cost of $92,524 in 7.4 years versus 7.9 years at Texas State University, on median earnings of $60,883 vs $56,906 ten years out. (Scorecard, 2026 · our math.)
| Measure | Texas State University | Concordia University Texas |
|---|---|---|
| Net price / yr | $16,805 | $23,131 |
| Total net cost | $67,220 | $92,524 |
| Median earnings, 10 yrs | $56,906 | $60,883 |
| Median debt | $21,000 | $21,852 |
| Payback | 7.9 yrs | 7.4 yrs |
| 20-year net return | $103,700 | $157,936 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Texas State University or Concordia University Texas?
Texas State University, at $16,805 a year after aid versus $23,131 — a gap of $6,326 a year, or $25,304 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Texas State University or Concordia University Texas graduates earn more?
Concordia University Texas graduates report a median $60,883 ten years after entry, $3,977 more than the $56,906 at Texas State University. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
Which leaves students with less debt, Texas State University or Concordia University Texas?
Texas State University: its completers carry a median $21,000 in federal loans versus $21,852 at Concordia University Texas, a difference of $852. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
55% of students finish at Texas State University, against 45% at Concordia University Texas. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.