by our College Data Analytics TeamThis guide covers the real cost of attending Northern Michigan University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
If you want to dig into a particular figure, jump to any section below:
Published attendance costs at Northern Michigan University fell between $26,206.00 and $31,702.00 depending on whether you qualify for in-state rates.
Where you live mattered — in-state students paid less than out-of-state students: about $26,206.00 in-state against $31,702.00 for out-of-state students.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $14,277.00 |
| + Room, board & other expenses | $11,929.00 |
| Total cost | $26,206.00 |
| That is 36% above the national average net price. |
| Total cost | $26,206.00 |
| − Grants and scholarships | −$13,756.00 |
| Net price | $12,450.00 |
| That is 35% below the national average net price. |
| Total cost | $26,206.00 |
| − Grants and scholarships | −$20,144.00 |
| Net price | $6,062.00 |
| That is 69% below the national average net price. |
| Tuition and fees | $19,773.00 |
| + Room, board & other expenses | $11,929.00 |
| Total cost | $31,702.00 |
| That is 65% above the national average net price. |
| Total cost | $31,702.00 |
| − Grants and scholarships | −$13,756.00 |
| Net price | $17,946.00 |
| That is 7% below the national average net price. |
| Total cost | $31,702.00 |
| − Grants and scholarships | −$20,144.00 |
| Net price | $11,558.00 |
| That is 40% below the national average net price. | |
| Explore each piece on the tuition & fees page plus room and board. |
Costs have trended upward in recent years at about 3.8% annually, so the projections below total more than one year of attendance. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 3.8% | 3.8% | 3.8% |
| Freshman year | $6,294.00 | $12,927.00 | $27,209.00 |
| Senior year | $7,045.00 | $14,469.00 | $30,455.00 |
| Total 4-year net price | $26,659.00 | $54,752.00 | $115,248.00 |
| 10-year loan interest @ 6.8% | $10,156.00 | $20,859.00 | $43,905.00 |
| Total monthly payment | $307.00 | $630.00 | $1,326.00 |
| Total amount paid | $36,816.00 | $75,611.00 | $159,154.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $6,294.00 | $12,927.00 | $27,209.00 |
| Senior year | $6,535.00 | $13,422.00 | $28,251.00 |
| Total 2-year net price | $12,829.00 | $26,348.00 | $55,460.00 |
| 10-year loan interest @ 6.8% | $4,887.00 | $10,038.00 | $21,128.00 |
| Total monthly payment | $148.00 | $303.00 | $638.00 |
| Total amount paid | $17,717.00 | $36,386.00 | $76,589.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $12,000.00 | $18,633.00 | $32,916.00 |
| Senior year | $13,432.00 | $20,856.00 | $36,843.00 |
| Total 4-year net price | $50,830.00 | $78,923.00 | $139,418.00 |
| 10-year loan interest @ 6.8% | $19,364.00 | $30,067.00 | $53,113.00 |
| Total monthly payment | $585.00 | $908.00 | $1,604.00 |
| Total amount paid | $70,194.00 | $108,989.00 | $192,532.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $12,000.00 | $18,633.00 | $32,916.00 |
| Senior year | $12,460.00 | $19,346.00 | $34,176.00 |
| Total 2-year net price | $24,460.00 | $37,979.00 | $67,091.00 |
| 10-year loan interest @ 6.8% | $9,319.00 | $14,469.00 | $25,559.00 |
| Total monthly payment | $281.00 | $437.00 | $772.00 |
| Total amount paid | $33,779.00 | $52,448.00 | $92,651.00 |
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 students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $14,085.00 |
| Average net price (off-campus) | $17,485.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,098.00 |
| $30,000 to $48,000 | $11,494.00 |
| $48,001 to $75,000 | $15,948.00 |
| $75,001 to $110,000 | $20,616.00 |
| Over $110,000 | $22,762.00 |
Estimate your specific net price using the school’s Northern Michigan University Net Price Calculator, or reach out to the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
The median amount borrowed by graduates of Northern Michigan University stands at $13,750.00, categorized as a Low ($10-20k) burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $6,000.00 |
| Median (50th) | $13,750.00 |
| 75th | $25,880.00 |
| 90th | $33,000.00 |
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 page.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $13,479.00 |
| Middle income | $14,000.00 |
| High income | $13,670.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,784.00 |
| Continuing-generation students | $13,479.00 |
First-generation graduates of Northern Michigan University take on $305.00 more debt than continuing-generation students.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Pell vs non-Pell comparisons surface how debt breaks down by need.
The median debt difference between Pell-eligible and non-Pell graduates of Northern Michigan University stands at $3,250.00. Federal data flags this school for Pell-related debt inequity.
The federal default-rate classification for Northern Michigan University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 10.8% |
To put the rates in context, Stafford loans at Northern Michigan University come to $512,965,036.00 over 30,528 student borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 109 |
| Avg GI Bill amount | $10,760.00 |
| DoD Tuition Assistance recipients | 36 |
| Avg DoD Tuition Assistance | $3,382.00 |
Explore GI Bill and military aid in detail on the veterans benefits detail.
The data above is a foundation; round it out by asking yourself about Northern Michigan University, the questions below are worth your time:
Dig further into the cost picture with the related pages 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.