Head-to-head comparison
Texas Christian University vs Concordia University Texas: which has better ROI?
Option A Fort Worth, TX
Texas Christian University
- Net price / year
- $36,660
- Earnings, 10 years
- $68,424
- Payback
- 7.3 yrs
Option B Austin, TX
Concordia University Texas
- Net price / year
- $23,131
- Earnings, 10 years
- $60,883
- Payback
- 7.4 yrs
Texas Christian University has the better ROI: it clears its 4-year net cost of $146,640 in 7.3 years versus 7.4 years at Concordia University Texas, on median earnings of $68,424 vs $60,883 ten years out. (Scorecard, 2026 · our math.)
| Measure | Texas Christian University | Concordia University Texas |
|---|---|---|
| Net price / yr | $36,660 | $23,131 |
| Total net cost | $146,640 | $92,524 |
| Median earnings, 10 yrs | $68,424 | $60,883 |
| Median debt | $21,500 | $21,852 |
| Payback | 7.3 yrs | 7.4 yrs |
| 20-year net return | $254,640 | $157,936 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Texas Christian University or Concordia University Texas?
Concordia University Texas, at $23,131 a year after aid versus $36,660 — a gap of $13,529 a year, or $54,116 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do Texas Christian University or Concordia University Texas graduates earn more?
Texas Christian University graduates report a median $68,424 ten years after entry, $7,541 more than the $60,883 at Concordia University Texas. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
The short answer
Which leaves students with less debt, Texas Christian University or Concordia University Texas?
Texas Christian University: its completers carry a median $21,500 in federal loans versus $21,852 at Concordia University Texas, a difference of $352. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
The short answer
Which graduates more of its students?
86% of students finish at Texas Christian University, against 45% at Concordia University Texas. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.