Analysis
Texas A&M's business program delivers a compelling trajectory that justifies its modest initial investment. While comparable Texas programs suggest first-year earnings around $46,000 and debt near $24,000, this program's real story emerges by year four, when graduates report median earnings of $105,326—nearly double the typical starting point and significantly ahead of most competitors in the state. That's actual reported data, not an estimate, and it places A&M graduates among the highest earners in Texas business programs.
The estimated debt-to-earnings ratio of 0.52 means your child would owe roughly half a year's salary upon graduation—a manageable burden that gets easier to service as earnings accelerate. The key question is whether that four-year trajectory holds: does the $45,000-to-$105,000 jump reflect steady career advancement, or are a subset of high earners pulling the average up? Either way, the gap between early and mid-career earnings here is unusually large.
For a solidly selective public university with relatively low debt, this looks like sound value. The $24,000 borrowing estimate sits below both state and national medians for business degrees, while the long-term earning potential—based on what we can actually measure—outpaces nearly every peer program in Texas except UT Austin. If your child can handle the academic rigor at A&M, the numbers suggest the investment pays off fairly quickly.
Where Texas A&M University-College Station Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Texas A&M University-College Station | — | $105,326 | — |
| Baylor University | $74,886 | $90,608 | +21% |
| Southwestern University | $47,056 | $76,367 | +62% |
| Concordia University Texas | $60,641 | $71,368 | +18% |
| University of Houston-Clear Lake | $56,494 | $70,808 | +25% |
Compare to Similar Programs in Texas
Business/Commerce bachelors's programs at peer institutions in Texas (41 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $13,099 | $45,899* | $105,326 | $23,750* | — | |
| $11,678 | $94,041* | — | —* | — | |
| $54,844 | $74,886* | $90,608 | $15,000* | 0.20 | |
| $36,690 | $60,641* | $71,368 | $38,138* | 0.63 | |
| $17,488 | $57,020* | $56,664 | $47,236* | 0.83 | |
| $7,746 | $56,494* | $70,808 | $23,766* | 0.42 | |
| National Median | — | $47,506* | — | $26,000* | 0.55 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
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-College Station, approximately 19% 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 24 similar programs in TX. Actual outcomes may vary.