by our College Data Analytics TeamHere’s the full picture on paying for Northwestern Michigan College, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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Published attendance costs at Northwestern Michigan College ranged from $11,821.00 and $14,575.00 based on in-state versus out-of-state status.
In-state residents qualified for the lower cost, with out-of-state students paying more: around $11,821.00 in-state, rising to $14,575.00 for out-of-state students.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $10,722.00 |
| + Room, board & other expenses | $1,099.00 |
| Total cost | $11,821.00 |
| That is 39% below the national average net price. |
| Total cost | $11,821.00 |
| − Grants and scholarships | −$7,522.00 |
| Net price | $4,299.00 |
| That is 78% below the national average net price. |
| Total cost | $11,821.00 |
| − Grants and scholarships | −$8,516.00 |
| Net price | $3,305.00 |
| That is 83% below the national average net price. |
| Tuition and fees | $13,476.00 |
| + Room, board & other expenses | $1,099.00 |
| Total cost | $14,575.00 |
| That is 24% below the national average net price. |
| Total cost | $14,575.00 |
| − Grants and scholarships | −$7,522.00 |
| Net price | $7,053.00 |
| That is 63% below the national average net price. |
| Total cost | $14,575.00 |
| − Grants and scholarships | −$8,516.00 |
| Net price | $6,059.00 |
| That is 69% below the national average net price. | |
| Go deeper on the components with tuition and fees and room and board. |
Published costs have climbed year over year by around 7.6% per year, so the four-year total runs well above today’s cost. 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 | 7.6% | 7.6% | 7.6% |
| Freshman year | $3,557.00 | $4,627.00 | $12,724.00 |
| Senior year | $4,436.00 | $5,771.00 | $15,867.00 |
| Total 4-year net price | $15,944.00 | $20,740.00 | $57,028.00 |
| 10-year loan interest @ 6.8% | $6,074.00 | $7,901.00 | $21,726.00 |
| Total monthly payment | $183.00 | $239.00 | $656.00 |
| Total amount paid | $22,019.00 | $28,641.00 | $78,754.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.6% | 7.6% | 7.6% |
| Freshman year | $3,557.00 | $4,627.00 | $12,724.00 |
| Senior year | $3,829.00 | $4,981.00 | $13,696.00 |
| Total 2-year net price | $7,387.00 | $9,608.00 | $26,419.00 |
| 10-year loan interest @ 6.8% | $2,814.00 | $3,660.00 | $10,065.00 |
| Total monthly payment | $85.00 | $111.00 | $304.00 |
| Total amount paid | $10,200.00 | $13,268.00 | $36,484.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.6% | 7.6% | 7.6% |
| Freshman year | $6,522.00 | $7,592.00 | $15,688.00 |
| Senior year | $8,133.00 | $9,467.00 | $19,564.00 |
| Total 4-year net price | $29,230.00 | $34,026.00 | $70,314.00 |
| 10-year loan interest @ 6.8% | $11,136.00 | $12,963.00 | $26,787.00 |
| Total monthly payment | $336.00 | $392.00 | $809.00 |
| Total amount paid | $40,366.00 | $46,988.00 | $97,101.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.6% | 7.6% | 7.6% |
| Freshman year | $6,522.00 | $7,592.00 | $15,688.00 |
| Senior year | $7,020.00 | $8,171.00 | $16,886.00 |
| Total 2-year net price | $13,542.00 | $15,763.00 | $32,574.00 |
| 10-year loan interest @ 6.8% | $5,159.00 | $6,005.00 | $12,410.00 |
| Total monthly payment | $156.00 | $181.00 | $375.00 |
| Total amount paid | $18,700.00 | $21,768.00 | $44,984.00 |
Jump to the net-price detail in the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. 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) | $6,231.00 |
| Average net price (off-campus) | $5,243.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $4,569.00 |
| $30,000 to $48,000 | $3,620.00 |
| $48,001 to $75,000 | $6,964.00 |
| $75,001 to $110,000 | $9,422.00 |
| Over $110,000 | $11,821.00 |
Get a tailored estimate from the Northwestern Michigan College Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
The typical debt load for borrowers leaving Northwestern Michigan College comes to $8,191.00, placing the school in the Very Low (<$10k) burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,241.00 |
| 25th | $3,500.00 |
| Median (50th) | $8,191.00 |
| 75th | $15,500.00 |
| 90th | $28,229.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,500.00 |
| Middle income | $6,928.00 |
| High income | $6,500.00 |
Low-income borrowers graduate with $3,000.00 more than graduates from high-income families.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $8,250.00 |
| Continuing-generation students | $7,000.00 |
First-generation graduates of Northwestern Michigan College leave with $1,250.00 more than continuing-generation graduates.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell-versus-non-Pell median debt difference at Northwestern Michigan College stands at $2,561.00. Federal data flags this school for Pell-related debt inequity.
The default-rate classification at Northwestern Michigan College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 12.9% |
For scale, federal Stafford loan disbursements at Northwestern Michigan College amount to $166,214,827.00 covering 12,391 disbursements.
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 | 86 |
| Avg GI Bill amount | $7,265.00 |
| DoD Tuition Assistance recipients | 5 |
| Avg DoD Tuition Assistance | $1,349.00 |
Read more about military and veteran aid on the veterans benefits detail.
The figures above are a starting point — as you weigh Northwestern Michigan College, consider the following:
Use the pages below to go deeper on a specific part of the cost story:
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.