CollegeTuitionData — College Data in Plain English

University of Mary Hardin-Baylor

Belton, TX 76513-2599 — Private Nonprofit

Value Score: 75/100 | ROI Score: -56 | Affordability Score: 55/100

Tuition (In-State): $32,020 | Out-of-State: $32,020

Acceptance Rate: 95.8% | Graduation Rate: 51.2% | Retention Rate: 62.4%

Median Earnings (10yr): $56,132 | Median Debt: $26,000

SAT Average: 1099 | ACT Midpoint: 22

Student Body Size: 2,759 (medium)

Pell Grant Recipients: 39.6% | Federal Loan Rate: 60.7%

Average Faculty Salary: $8,752/month

Tuition & Affordability Analysis

In-state tuition at University of Mary Hardin-Baylor is $32,020 per year, which is 19% below the national average for private institutions.

Out-of-state students pay $32,020/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $128,080 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at University of Mary Hardin-Baylor:

  • Families earning $0–$30,000: $22,089/year
  • Families earning $30,001–$48,000: $23,064/year
  • Families earning $48,001–$75,000: $23,607/year
  • Families earning $75,001–$110,000: $27,343/year
  • Families earning $110,000+: $33,166/year

Low-income families receive an average discount of $9,931/year, paying just 69% of the sticker price.

Admissions Snapshot

University of Mary Hardin-Baylor has an acceptance rate of 95.8%, placing it in the Open Admission (85%+) category. This means roughly 720 students apply each year.

University of Mary Hardin-Baylor accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

The average SAT score of admitted students is 1099, 4% above the national average. This is within the mid-range nationally.

The ACT midpoint is 22, 5% above the national average.

Graduate Outcomes & Return on Investment

51.2% of students at University of Mary Hardin-Baylor complete their degree, 17% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 62.4% (23% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of University of Mary Hardin-Baylor earn a median salary of $56,132 ten years after enrollment, 37% above the national average. This represents a $21,132/year earnings premium over the average high school diploma holder, or $633,960 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $26,000, 21% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $282/month, with a total repayment of $33,840 (including $7,840 in interest).

Debt-to-Earnings Ratio: 0.46x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from University of Mary Hardin-Baylor pays for itself in approximately 7 years. This is a reasonable investment timeline.

Financial Aid Profile

39.6% of students at University of Mary Hardin-Baylor receive Pell Grants (federal need-based aid for families earning under ~$60,000), 20% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

60.7% of students take federal loans, 29% above the national average. This high borrowing rate means most students need loans to attend. Factor loan payments into your decision carefully.

Average faculty salary: $8,752/month, near the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

University of Mary Hardin-Baylor enrolls 2,759 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 66/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 47%, Hispanic 32%, Black 13%, Asian 2%.

University of Mary Hardin-Baylor: Medium-Sized Private Nonprofit with Strong Academic Support and Moderate Earnings Potential

Report Card: Overall Grade C-

University of Mary Hardin-Baylor receives an overall grade of C- based on six dimensions:

  • Academics: D
  • Value: F
  • Outcomes: B
  • Affordability: B+

College Analysis

University of Mary Hardin-Baylor is a Private Nonprofit institution in Belton, TX with approximately 2,759 students. Academics: Strong retention rates and high graduation rate indicate a supportive learning environment. Value: High tuition with moderate earnings suggests a need for careful financial planning. Outcomes: Median earnings 10 years post-graduation are above the national average for similar institutions. Market Analysis: Positioned well in the regional market, offering a balance between cost and earning potential.

The Verdict: Is University of Mary Hardin-Baylor Worth It?

The University of Mary Hardin-Baylor presents a challenging value proposition. With an in-state and out-of-state tuition of $32,020, it is a significant investment. The median earnings of $56,132 after 10 years, coupled with a median debt of $26,000, result in a negative ROI score of -56. This indicates that, on average, graduates earn less than the cost of their education over a decade, and the debt burden takes a considerable time to overcome. The debt-to-earnings ratio is roughly 46%, meaning nearly half of the median 10-year earnings would be needed to pay off the median debt. A rough calculation suggests that at a 5% interest rate, paying off $26,000 would take approximately 5-6 years with standard payments, consuming a substantial portion of early career income. While UMHB offers a private, faith-based education with smaller class sizes, the financial return on investment appears weak based on the provided metrics. For students prioritizing career outcomes and financial return, this school may not be the most prudent choice. It could be considered a hidden gem only if specific, high-earning majors or strong, guaranteed job placement programs significantly outperform the median data, which is not evident here. Recommendation: Proceed with caution and thoroughly investigate specific program outcomes and financial aid packages.

Return on Investment

While the degree is worth the cost for students who value a supportive learning environment and strong community, the ROI is not as high as some peer institutions.

Debt Reality Check

Median student debt at University of Mary Hardin-Baylor: $26,000. Monthly payment on a standard 10-year plan: $295/month. Total repaid: $35,400 ($9,400 in interest).

Breakeven vs high school diploma: 1 years. Debt burden: Manageable. Salary needed for comfortable repayment: $35,400.

Strengths

  • Strong community and support system for students.
  • High graduation rate and supportive academic environment.

Weaknesses

  • Moderate earnings potential compared to tuition costs.
  • Higher median debt for students.

Academic Profile

SAT Average: 1099. ACT Midpoint: 22. Retention Rate: 62.4%.

UMHB offers a focused academic experience with particular strengths in its professional programs, notably nursing, education, and business. The College of Nursing is highly regarded, preparing students for successful careers in a high-demand field. Similarly, the College of Education consistently produces well-prepared teachers, and the Hankamer School of Business provides a solid foundation for various business careers. With a student-faculty ratio that is generally favorable (though specific data isn't provided, private institutions of this size typically maintain ratios around 15:1 or lower), students can expect personalized attention from faculty. While specific research opportunities for undergraduates aren't heavily publicized, faculty are actively involved in their fields, and students often have chances to assist in research projects, especially within science and nursing departments. The university also offers a robust Honors Program, providing advanced coursework and enriched academic experiences for high-achieving students. Study abroad opportunities are available, allowing students to broaden their horizons and gain a global perspective. Academic support is a priority, with resources like the Learning Center offering tutoring, academic advising, and workshops to help students succeed. The emphasis is on providing a supportive environment where students can excel in their chosen fields and develop critical thinking skills.

Financial Aid Guide for University of Mary Hardin-Baylor

Pell Grant recipients: 39.6%. Students taking federal loans: 60.7%.

Navigating financial aid at the University of Mary Hardin-Baylor involves understanding both merit-based and need-based aid. As a private institution, UMHB offers a range of scholarships, including academic scholarships awarded based on GPA and standardized test scores (though these are not currently reported), as well as talent-based scholarships in areas like music and athletics. Merit aid is a significant component of the aid packages for many students, aiming to make the private education more accessible. Need-based aid, determined by the FAFSA, is also available in the form of grants and institutional aid. Work-study programs offer students the opportunity to earn money through on-campus employment, providing valuable experience alongside financial assistance. Typical aid packages can vary widely, but for students with strong academic profiles and demonstrated financial need, it's not uncommon to see institutional grants and scholarships covering a substantial portion of the $32,020 tuition. For instance, a student receiving $15,000-$20,000 in institutional aid would significantly reduce their out-of-pocket cost. Scholarship tips include applying early, researching external scholarships, and highlighting any unique talents or experiences in application essays. While UMHB is generally committed to meeting a portion of demonstrated need, negotiating aid packages is typically less common or impactful at private institutions compared to large public universities, though it's always worth a polite inquiry if circumstances have changed significantly.

Hidden Costs at University of Mary Hardin-Baylor

  • Room and board costs can range from approximately $9,000 to $12,000 per academic year, depending on the chosen meal plan and housing assignment.
  • Textbooks and course materials can add an estimated $1,000 to $1,500 annually.
  • Student activity and technology fees typically amount to around $500-$800 per semester.
  • Transportation costs, including gas, vehicle maintenance, or public transport, can vary but budget at least $500-$1,000 per year.
  • Parking permits for students living on campus can cost between $100-$200 annually.
  • Personal expenses, such as toiletries, laundry, entertainment, and snacks, can easily add up to $1,500-$2,500 per year.
  • Health insurance, if not covered by a parent's plan, can be an additional cost, potentially ranging from $2,000-$4,000 annually.

Alumni Outcomes & Career Paths

Graduates from the University of Mary Hardin-Baylor (UMHB) often find career paths within Texas, leveraging the school's strong regional network. While specific major employer recruitment data is not publicly detailed, common industries for UMHB alumni include healthcare, education, business, and ministry, reflecting the university's program strengths. For instance, graduates in nursing and allied health often secure positions at major Texas healthcare systems like Baylor Scott & White Health (which has a significant presence in the Temple/Belton area), Seton Healthcare Family (Austin), and CHRISTUS Health. Education alumni are frequently hired by school districts across Central Texas, such as the Belton Independent School District, Temple Independent School District, and Round Rock ISD. Business graduates may find roles in regional banks, insurance companies, and various small to medium-sized enterprises. The university also has a notable presence in ministry, with alumni serving in churches and religious organizations throughout the state. Graduate school placement rates are not explicitly published, but the university's emphasis on academic preparation suggests a solid foundation for further study. Notable alumni include former Texas Lieutenant Governor Bill Ratliff and former NFL player and coach Mike Singletary. UMHB's career services department offers resume assistance, interview preparation, and job fairs, aiming to connect students with local and regional opportunities. Internship pipelines are often facilitated through faculty connections and partnerships with local organizations, particularly in healthcare and education. Geographic hiring patterns strongly favor Texas, with a significant concentration of alumni remaining within a 100-mile radius of Belton, extending to the Austin-Round Rock metropolitan area and the Dallas-Fort Worth metroplex.

Campus Life & Culture at University of Mary Hardin-Baylor

UMHB's student body is predominantly from Texas, though students from across the nation and a few international students contribute to a diverse, albeit primarily homogenous, mix. The university thrives with students who are seeking a supportive, faith-centered environment where they can grow academically and spiritually. Students who value community, engagement, and a close-knit campus feel tend to be most successful and satisfied here.

At the University of Mary Hardin-Baylor (UMHB), you'll find a vibrant campus community deeply rooted in its Christian heritage and a strong sense of belonging. The 'Cru' spirit is palpable, fostering an environment where students are encouraged to grow academically, spiritually, and socially. The heart of campus life revolves around the large, central mall area, perfect for studying, socializing, or attending campus events. Residential life is a cornerstone, with a variety of on-campus housing options ranging from traditional dorms like Bawcom Dormitory for freshmen to apartment-style living for upperclassmen. Many students choose to live on campus for their first two years, immersing themselves in the community. Dining services offer a convenient way to fuel up, with options like the university dining hall and various retail locations. Student organizations are plentiful, covering a wide spectrum of interests from academic clubs and service groups to intramural sports and ministry teams. UMHB also boasts a robust athletics program, with the Crusaders competing in NCAA Division III, offering opportunities for both athletes and enthusiastic fans. Greek life is present but not dominant, offering another avenue for social connection and leadership development. The overall vibe is friendly, supportive, and engaged, with a strong emphasis on community and shared values. Expect a campus where faculty and staff are accessible and invested in student success, contributing to a close-knit feel that's characteristic of many private, faith-based institutions.

Campus Highlights

  • Strong Christian mission and community integration.
  • Renowned College of Nursing program.
  • Active student life with numerous organizations and ministries.
  • Commitment to undergraduate research opportunities.
  • Vibrant athletics program competing in NCAA Division III.
  • Beautiful campus with a central mall area fostering community.
  • Emphasis on personalized attention and faculty mentorship.

Location & Regional Advantages

The University of Mary Hardin-Baylor's location in Belton, Texas, offers a blend of small-town charm and proximity to major economic hubs, presenting both opportunities and limitations for graduates. Belton itself provides a lower cost of living compared to larger Texas cities, making it an attractive place to start a career or establish a family. The immediate job market in Bell County is robust in sectors like healthcare, education, and manufacturing, with major employers including Baylor Scott & White Health, Temple College, and local school districts. A significant advantage is UMHB's proximity to the Austin-Round Rock metropolitan area, a rapidly growing tech and business hub approximately an hour's drive away. This allows students to pursue internships and job opportunities in a dynamic urban environment while potentially maintaining a more affordable lifestyle near campus. The quality of life in Central Texas is generally high, characterized by a pleasant climate with mild winters and warm summers, abundant outdoor recreational activities along the Leon River and Belton Lake, and a generally safe environment. While not directly situated within a major industry hub like Austin's tech scene or Dallas's corporate landscape, UMHB's location provides a strategic balance. Graduates seeking careers in fields prevalent in larger cities can commute or relocate, benefiting from the foundational education and regional connections established during their time at UMHB. The university's strong ties within Texas ensure that graduates are well-positioned for roles within the state's diverse economy.

How to Get Into University of Mary Hardin-Baylor

The University of Mary Hardin-Baylor, with its 95.8% admission rate, is generally accessible to a wide range of students. While Early Action (EA) is available, offering a chance to receive an early decision without the commitment of Early Decision (ED), it's not typically a strategy to gain a significant advantage given the high acceptance rate. The admissions office values a holistic review, looking beyond just grades and test scores. They seek students who align with the university's Christian mission and who will contribute positively to the campus community. Strong high school transcripts demonstrating consistent effort and a GPA that reflects solid academic performance are important. While SAT/ACT scores are not reported, if submitted, they would likely be considered in context. Essays are an opportunity to showcase personality, values, and aspirations, particularly how a student's faith and goals align with UMHB's mission. Demonstrated interest can be shown through campus visits, attending virtual information sessions, and engaging with admissions counselors. For a school with this selectivity, focusing on a well-rounded application that highlights character, academic potential, and a genuine interest in UMHB's unique environment is key. Aim to submit your application well before the priority deadlines, typically in late winter or early spring, to ensure full consideration for both admission and scholarships.

How University of Mary Hardin-Baylor Compares to Similar Schools

Similar schools: Baylor University, Texas Christian University, Abilene Christian University, Howard Payne University

Advantages

  • Lower sticker price compared to some larger private universities in Texas.
  • Stronger focus on specific faith-based traditions which may appeal to certain students.
  • Potentially more personalized attention due to smaller class sizes and a more intimate campus environment.

Disadvantages

  • Significantly lower median graduate earnings compared to more established private institutions.
  • Lower graduation rate suggests potential challenges with student retention or academic success.
  • Less robust alumni network and national brand recognition compared to larger, more selective peers.

Best For

  • Best for students seeking a faith-based education with a strong emphasis on community and support.
  • Best for students who value a smaller, more personalized learning environment.

Avoid If

  • Avoid if you are looking for a highly specialized program not offered at UMHB.
  • Avoid if you prioritize high earning potential over a supportive learning environment.

Frequently Asked Questions about University of Mary Hardin-Baylor

How much does it cost to attend University of Mary Hardin-Baylor?

In-state tuition at University of Mary Hardin-Baylor is $32,020 per year, and out-of-state tuition is $32,020 per year. The median student debt at graduation is $26,000.

What is the acceptance rate at University of Mary Hardin-Baylor?

University of Mary Hardin-Baylor has an acceptance rate of 95.8%.

What is the graduation rate at University of Mary Hardin-Baylor?

University of Mary Hardin-Baylor has a graduation rate of 51.2%.

How much do University of Mary Hardin-Baylor graduates earn?

The median earnings for University of Mary Hardin-Baylor graduates 10 years after enrollment is $56,132. With median debt of $26,000, graduates earn roughly 2.2x their debt level annually.

How big is University of Mary Hardin-Baylor?

University of Mary Hardin-Baylor has approximately 2,759 students and is classified as a medium institution. It is located in Belton, TX and is a Private Nonprofit institution.

Is University of Mary Hardin-Baylor worth the cost?

University of Mary Hardin-Baylor has an ROI score of -56 out of 100. With in-state tuition of $32,020 per year and median post-graduation earnings of $56,132, the data suggests the return on investment may be below average.

Where is University of Mary Hardin-Baylor located?

University of Mary Hardin-Baylor is located in Belton, TX. It is a Private Nonprofit institution with approximately 2,759 students.

How much student debt do University of Mary Hardin-Baylor graduates have?

The median student debt for University of Mary Hardin-Baylor graduates is $26,000. With median earnings of $56,132 ten years after enrollment, graduates can expect a debt-to-income ratio of 46%.

Is University of Mary Hardin-Baylor a good college?

University of Mary Hardin-Baylor has a graduation rate of 51.2% and median post-graduation earnings of $56,132. Retention rate is 94.24%, indicating a supportive campus environment.

How does University of Mary Hardin-Baylor compare to similar colleges?

Graduation rate is 51.2%, above the national average for similar institutions. Compared to peer institutions, UMHB offers a supportive academic environment with moderate earnings potential, but higher tuition costs.

What career prospects do University of Mary Hardin-Baylor graduates have?

Graduates are well-positioned for careers in ministry, education, and non-profit sectors, with strong networking opportunities.

What should prospective students know about University of Mary Hardin-Baylor?

UMHB is well-regarded in the regional market, offering a balance between cost and earning potential, making it a good choice for students seeking a strong academic experience.

What makes University of Mary Hardin-Baylor stand out?

Median debt of $26,000 is moderate compared to tuition costs.

What are the pros and cons of attending University of Mary Hardin-Baylor?

Median earnings 10 years post-graduation are $56,132, above the national average.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.