Ultimate Texas A&M Student Savings Guide

Walmart – College Tuition Paid in Full

Available to all Texas Walmart part-time or full-time employees who have not yet completed their first undergraduate degree.

Walmart Live Better U Program

Baylor Scott & White – Full Tuition Coverage for Employees

Active part-time and full-time employees can have their tuition covered based on the program.

Baylor Scott & White Tuition-Free Education

• 100% tuition coverage for fully funded programs
• Up to $5,250 for partially funded programs
• Personalized coaching to support each learner
• Curated program catalog with top schools
• Comprehensive student resources (essay writing, interview prep, etc.)
• Dedicated student communities for networking and advice

FedEx – Student Reimbursement Program

Part-time employees are eligible for up to $5,250 per year in tuition assistance.

FedEx Hiring & Development

TAMU - Tuition Rebate

Certain undergraduate students who meet all of the predetermined state mandated requirements may be entitled to a $1,000 rebate upon completion of their first baccalaureate degree. Students must apply PRIOR to 5 p.m. on the day grades are due for all degree candidates.

TAMU Rebate - Aggie One Stop

Websites for Student Discounts

1. UNiDAYS – Student discounts on clothing, tech, food, and travel.
2. Student Beans – Deals and discounts from various brands.
3. ID.me – Verifies student status for discounts on software, services, and brands.
4. SheerID – Provides exclusive student deals through partner brands.
5. Amazon Prime Student – Six months of free Prime membership + book and supply discounts.
6. TAMU PerksConnect – Local savings site for Texas A&M students.
7. Apple Music - Enjoy 1 month free then a special student rate of $5.99/month
8. Spotify - Discounted monthly subscription of $5.99 per month

Apps for Student Savings

1. Honey – Browser extension that applies discount codes, including student deals.
2. RetailMeNot – Lists student discounts and cashback offers.
3. ISIC (International Student Identity Card) – Official student ID app with global discounts.
4. Totum – UK-based student discount app that works in the U.S.
5. Groupon Student Discounts – Deals on restaurants, entertainment, and travel.

Campus Food Resources

• Walmart+ Membership – 50% Off - Access to gas savings nationwide, streaming service discounts, free flat tire repair (normally $15), and more.
• Target – 20% Off Back to School & $4.99 Target Circle Subscription - Save on school supplies and enjoy an exclusive Target Circle discount.
• The 12th Can – Free food pantry open twice a month for students in need. https://12thcan.tamu.edu/
• SNAP Food Benefits – Helps people buy the food they need for good health.
• Pocket Pantry – Emergency access to free food and toiletries at multiple locations across campus.
• Swipe out hunger - This program allows students to donate unused meal swipes at the end of each semester to other students who cannot afford a meal plan.

Fast Food & Restaurant Discounts

• Arby's offers a student discount if you have a valid student ID with you.
• Buffalo Wild Wings offer a student discount if you bring your student ID.
• Burger King has certain locations that offer a 10% student discount, remember to bring your student ID.
• Chick-fil-A offers a free drink if you show your student ID at most of their locations.
• Blaze Buy an 11" pizza and get one for $2.99.
• Dairy Queen at some locations give a 10% discount.
• Domino's Pizza often provide a student discount, but it varies by location.
• McDonald's has a student discount available that varies by location.
• Papa John's has a student discount available, but it varies by each location.
• Pizza Hut offer a 10% discount at some of the locations.
• Piada offer a $9 student special - Valid from 2pm - 5pm Monday - Sunday, and all day Wednesday.
• Qdoba has a student discount on a few meals.
• Subway offer a 10% student discount at various locations.
• Waffle House provides a 10% student discount.

What is a Credit Score?

Your credit score is a three-digit number that represents how trustworthy you are with borrowed money. It determines your ability to get loans, credit cards, and even housing or job offers in some cases. Scores range from 300 (Poor) to 850 (Excellent).

Credit Score Ranges & What They Mean

• 300-579 (Poor): Hard to get approved for credit cards or loans.
• 580-669 (Fair): Some approval for basic credit cards, often with higher interest rates.
• 670-739 (Good): Qualifies for most standard credit cards and reasonable loan rates.
• 740-799 (Very Good): Lower interest rates and better rewards on credit cards.
• 800-850 (Excellent): Best rates, top-tier rewards, and easiest approval for loans and credit.

How to Build and Maintain a Good Credit Score

1. Pay On Time (35% of Your Score)
   • Always pay at least the minimum amount due before the due date.
   • Late payments stay on your record for 7 years and negatively impact your score.
2. Keep Your Credit Utilization Low (Amounts Owed) (30% of Your Score)
   • Use less than 30% of your total credit limit to maintain a healthy score.
   • Example: If you have a $1,000 credit limit, try to keep your balance below $300.
3. Credit Age Matters (15% of Your Score)
   • The longer you have credit, the better your score.
   • Start with a student credit card early to build history.
4. Mix of Credit Types (10% of Your Score)
   • A mix of credit (credit cards, student loans, car loans) can improve your score.
   • Don't open too many at once—space them out over time.
5. Limit Hard Inquiries (10% of Your Score)
   • Every time you apply for a new credit card or loan, your score drops slightly.
   • Too many applications in a short time can hurt your approval chances.

FICO Stands for Fair Isaac Corporation who developed the Credit Score