Median Earnings (1yr)
$45,476
36th percentile (40th in TX)
Median Debt
$29,750
38% above national median
Debt-to-Earnings
0.65
Manageable
Sample Size
113
Adequate data

Analysis

Texas Tech's mathematics program costs more upfront but delivers relatively modest returns. With $29,750 in median debt—about 50% higher than what typical Texas math graduates carry—students here are borrowing significantly more while earning less. At $45,476 one year out, graduates make roughly $4,200 below the state median and trail the national average by about $3,300. Among Texas's 70 math programs, this ranks in just the 40th percentile.

The debt burden stands out as the main concern. While the 0.65 debt-to-earnings ratio isn't catastrophic, it's heavily influenced by the higher borrowing. Compare this to UT Austin, where math graduates earn $60,000+ with similar or lower debt loads, or even University of North Texas ($53,133) just down the highway. The 18% earnings growth over four years is solid, bringing graduates to $53,440—but they're still playing catch-up on that initial debt disadvantage.

For families considering Texas Tech's math program, the question becomes whether there's a compelling reason to choose it over stronger in-state alternatives. If your child has admission offers from UT Austin, UT Dallas, or Houston, those programs deliver notably better financial outcomes. Texas Tech might make sense for students who need the more accessible admission profile (71% acceptance rate), but they should understand they're taking on above-average debt for below-average math earnings in Texas.

Where Texas Tech University Stands

Earnings vs. debt across all mathematics bachelors's programs nationally

Texas Tech UniversityOther mathematics 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 Tech University graduates compare to all programs nationally

Texas Tech University graduates earn $45k, placing them in the 36th percentile of all mathematics bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Texas

Mathematics bachelors's programs at peer institutions in Texas (70 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Texas Tech University$45,476$53,440$29,7500.65
Southern Methodist University$74,516$79,735$21,0000.28
The University of Texas at Austin$60,011$75,618$20,5000.34
The University of Texas at Dallas$58,238—$19,7450.34
University of Houston$54,710$57,873$20,1000.37
University of North Texas$53,133$54,367$23,6890.45
National Median$48,772—$21,5000.44

Other Mathematics Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
Southern Methodist University
Dallas
$64,460$74,516$21,000
The University of Texas at Austin
Austin
$11,678$60,011$20,500
The University of Texas at Dallas
Richardson
$14,564$58,238$19,745
University of Houston
Houston
$9,711$54,710$20,100
University of North Texas
Denton
$11,164$53,133$23,689

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 Tech University, approximately 26% 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 113 graduates with reported earnings and 125 graduates with debt data. Small samples may not be representative.