Median Earnings (1yr)
$41,378
5th percentile (40th in TX)
Median Debt
$30,908
16% above national median
Debt-to-Earnings
0.75
Manageable
Sample Size
23
Limited data

Analysis

Texas A&M-Central Texas serves a predominantly working-class student body in the Killeen area—nearly half receive Pell grants—but its HR program leaves graduates earning $41,378 in their first year, roughly $7,000 below the Texas median and $9,000 below the national average. While this places the program at the 40th percentile within Texas (middle of the pack for the state), it ranks in just the 5th percentile nationally. The nearly $31,000 in debt creates a 0.75 debt-to-earnings ratio, meaning graduates carry debt equal to three-quarters of their first-year salary—manageable by technical standards, but the absolute earnings level makes this burdensome in practice.

The small sample size here (under 30 graduates) means these numbers could shift significantly year to year, so they shouldn't be taken as definitive. However, the gap between this program and top Texas performers is stark: Baylor and UT-San Antonio HR graduates earn $20,000+ more annually, which compounds dramatically over a career. For a family making a serious financial investment, the combination of below-average earnings and above-average debt (compared to Texas schools) suggests this program may not deliver the return they're expecting. If HR management is the goal, other Texas public universities offer stronger placement outcomes at similar or lower debt levels.

Where Texas A&M University-Central Texas Stands

Earnings vs. debt across all human resources management and services bachelors's programs nationally

Texas A&M University-Central TexasOther human resources management and services programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Texas A&M University-Central Texas graduates compare to all programs nationally

Texas A&M University-Central Texas graduates earn $41k, placing them in the 5th percentile of all human resources management and services bachelors programs nationally.

Compare to Similar Programs in Texas

Human Resources Management and Services bachelors's programs at peer institutions in Texas (23 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Texas A&M University-Central Texas$41,378—$30,9080.75
Baylor University$62,562$67,847$20,4750.33
University of the Incarnate Word$58,499$61,967$36,0070.62
University of Phoenix-Texas$57,983$51,907$50,4700.87
The University of Texas at San Antonio$56,961$53,030$22,7220.40
The University of Texas at Dallas$51,732—$19,5000.38
National Median$50,361—$26,6250.53

Other Human Resources Management and Services Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
Baylor University
Waco
$54,844$62,562$20,475
University of the Incarnate Word
San Antonio
$35,660$58,499$36,007
University of Phoenix-Texas
Dallas
—$57,983$50,470
The University of Texas at San Antonio
San Antonio
$8,991$56,961$22,722
The University of Texas at Dallas
Richardson
$14,564$51,732$19,500

About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At Texas A&M University-Central Texas, approximately 48% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Sample Size: Based on 23 graduates with reported earnings and 24 graduates with debt data. Small samples may not be representative.