by our College Data Analytics TeamThis guide covers the real cost of attending North Central Michigan College, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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Cost of attendance at North Central Michigan College ranged from $13,378.00 to $15,478.00 based on in-state versus out-of-state status.
In-state students paid the lower published figure, while out-of-state students faced the higher one: around $13,378.00 for in-state students versus $15,478.00 out-of-state.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $8,490.00 |
| + Room, board & other expenses | $4,888.00 |
| Total cost | $13,378.00 |
| That is 31% below the national average net price. |
| Total cost | $13,378.00 |
| − Grants and scholarships | −$9,136.00 |
| Net price | $4,242.00 |
| That is 78% below the national average net price. |
| Total cost | $13,378.00 |
| − Grants and scholarships | −$9,400.00 |
| Net price | $3,978.00 |
| That is 79% below the national average net price. |
| Tuition and fees | $10,590.00 |
| + Room, board & other expenses | $4,888.00 |
| Total cost | $15,478.00 |
| That is 20% below the national average net price. |
| Total cost | $15,478.00 |
| − Grants and scholarships | −$9,136.00 |
| Net price | $6,342.00 |
| That is 67% below the national average net price. |
| Total cost | $15,478.00 |
| − Grants and scholarships | −$9,400.00 |
| Net price | $6,078.00 |
| That is 68% below the national average net price. | |
| Go deeper on the components with tuition and fees and room and board. |
Costs have trended upward in recent years by roughly 6.7% per year, so the four-year total runs well above today’s cost. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.7% | 6.7% | 6.7% |
| Freshman year | $4,244.00 | $4,526.00 | $14,274.00 |
| Senior year | $5,156.00 | $5,498.00 | $17,339.00 |
| Total 4-year net price | $18,761.00 | $20,006.00 | $63,094.00 |
| 10-year loan interest @ 6.8% | $7,147.00 | $7,622.00 | $24,037.00 |
| Total monthly payment | $216.00 | $230.00 | $726.00 |
| Total amount paid | $25,909.00 | $27,628.00 | $87,131.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.7% | 6.7% | 6.7% |
| Freshman year | $4,244.00 | $4,526.00 | $14,274.00 |
| Senior year | $4,529.00 | $4,829.00 | $15,230.00 |
| Total 2-year net price | $8,773.00 | $9,356.00 | $29,504.00 |
| 10-year loan interest @ 6.8% | $3,342.00 | $3,564.00 | $11,240.00 |
| Total monthly payment | $101.00 | $108.00 | $340.00 |
| Total amount paid | $12,116.00 | $12,920.00 | $40,745.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.7% | 6.7% | 6.7% |
| Freshman year | $6,485.00 | $6,767.00 | $16,515.00 |
| Senior year | $7,878.00 | $8,220.00 | $20,061.00 |
| Total 4-year net price | $28,665.00 | $29,911.00 | $72,998.00 |
| 10-year loan interest @ 6.8% | $10,920.00 | $11,395.00 | $27,810.00 |
| Total monthly payment | $330.00 | $344.00 | $840.00 |
| Total amount paid | $39,586.00 | $41,305.00 | $100,808.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.7% | 6.7% | 6.7% |
| Freshman year | $6,485.00 | $6,767.00 | $16,515.00 |
| Senior year | $6,920.00 | $7,220.00 | $17,621.00 |
| Total 2-year net price | $13,405.00 | $13,987.00 | $34,136.00 |
| 10-year loan interest @ 6.8% | $5,107.00 | $5,329.00 | $13,005.00 |
| Total monthly payment | $154.00 | $161.00 | $393.00 |
| Total amount paid | $18,511.00 | $19,315.00 | $47,140.00 |
See the full net-price breakdown in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $10,083.00 |
| Average net price (off-campus) | $5,457.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $4,600.00 |
| $30,000 to $48,000 | $3,965.00 |
| $48,001 to $75,000 | $6,105.00 |
| $75,001 to $110,000 | $10,663.00 |
| Over $110,000 | $11,978.00 |
Use North Central Michigan College Net Price Calculator, or check with the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
The median amount borrowed by graduates of North Central Michigan College works out to $5,500.00, placing the school in the Very Low (<$10k) burden tier.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,500.00 |
| 25th | $2,750.00 |
| Median (50th) | $5,500.00 |
| 75th | $9,250.00 |
| 90th | $15,644.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $5,750.00 |
| Middle income | $5,500.00 |
| High income | $4,890.00 |
Graduates from lower-income families carry $860.00 more debt than high-income graduates.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $5,500.00 |
| Continuing-generation students | $5,500.00 |
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The gap between Pell-eligible and non-Pell median debt at North Central Michigan College amounts to $250.00. Federal data flags this school for Pell-related debt inequity.
The federal default-rate classification for North Central Michigan College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 13.6% |
To put the rates in context, Stafford loans at North Central Michigan College amount to $29,182,726.00 over 3,255 disbursements.
Veteran and active-military students often access dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 8 |
| Avg GI Bill amount | $4,284.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing North Central Michigan College, think through the questions below:
For a closer look at any of these topics, follow the links below:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.