How do I compare the total cost of attending Texas A&M versus Virginia Tech?

I’m a high school senior considering Texas A&M University and Virginia Tech, and I’m trying to decide which would be more affordable overall. I want to compare the full cost of attendance, including tuition, housing, meals, fees, travel, and financial aid, rather than looking at tuition alone.
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Neither Texas AM nor Virginia Tech is automatically cheaper; the more affordable choice is the one with the lower four-year net cost after resident tuition status, grants, and renewable scholarships are included. Texas residents typically receive a substantial tuition advantage at Texas AM, while Virginia residents typically receive one at Virginia Tech. For nonresidents, both schools can become much more expensive, so compare each schools actual aid offer rather than its published tuition alone.

Start with each universitys official cost-of-attendance budget for your residency category and campus housing plan. Include tuition and mandatory fees, housing and meal plan, books and course materials, personal expenses, health insurance if applicable, and transportation. College Station and Blacksburg can create very different travel costs depending on where you live, how often you expect to go home, and whether you would need to maintain a car.

Then subtract only gift aid: federal and state grants, need-based university grants, and scholarships that do not need to be repaid. List work-study separately because it is earned through a job, and list loans separately because they increase your eventual cost. Check whether each scholarship renews for four years and whether it requires a certain GPA, enrollment level, or residency status.

Make a simple four-year spreadsheet using conservative annual increases for tuition, housing, and meals. Also compare likely housing after the first year, since off-campus rent, utilities, parking, and meal spending may differ more than freshman residence-hall prices. The school with the lower annual net cost is not necessarily the cheaper degree if its aid disappears after year one or requires borrowing more.
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