Management Information Systems and Services at Texas A&M University-Central Texas
Bachelor's Degree
tamuct.eduAnalysis
Texas A&M-Central Texas graduates leave with just $15,637 in debt—among the lowest 5% nationally for MIS programs and $5,000 below the Texas median. That's meaningful when similar programs in the state suggest first-year earnings around $52,800, producing a debt-to-earnings ratio of 0.30 that most families would find manageable.
The tradeoff appears in the earnings potential. While peer MIS programs in Texas typically start graduates near $53,000, the state's flagship institutions—UT Austin, Texas A&M College Station, and Baylor—report outcomes $18,000 to $34,000 higher. This gap likely reflects both the regional job market in Killeen and differences in employer recruiting patterns. For students targeting major tech hubs like Austin or Dallas, that earnings difference could compound over time.
But context matters here: with a 100% admission rate and 48% of students on Pell grants, Central Texas serves students who might not access those flagship programs. The light debt burden means graduates aren't locked into maximum-earning jobs immediately—they have flexibility to build careers without crushing monthly payments. For a working adult or first-generation student in the Killeen area, this represents a practical path into tech without the financial risk that comes with heavier borrowing.
Where Texas A&M University-Central Texas Stands
Earnings vs. debt across all management information systems and services bachelors's programs nationally
Compare to Similar Programs in Texas
Management Information Systems and Services bachelors's programs at peer institutions in Texas (40 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
 Texas A&M University-Central TexasKilleen | $6,627 | $52,836* | — | $15,637 | — |
 The University of Texas at AustinAustin | $11,678 | $86,622* | $96,963 | $19,000 | 0.22 |
 Texas A&M University-College StationCollege Station | $13,099 | $71,032* | — | $19,500 | 0.27 |
 Baylor UniversityWaco | $54,844 | $70,873* | $93,275 | $24,000 | 0.34 |
 University of HoustonHouston | $9,711 | $65,574* | $75,533 | $16,750 | 0.26 |
 University of North TexasDenton | $11,164 | $64,441* | $77,222 | $20,970 | 0.33 |
| National Median | — | $59,490* | — | $24,000 | 0.40 |
Career Paths
Occupations commonly associated with management information systems and services graduates
Computer and Information Systems Managers
Database Architects
Data Warehousing Specialists
Computer Programmers
Computer Science Teachers, Postsecondary
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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 15 similar programs in TX. Actual outcomes may vary.