by our College Data Analytics TeamThis guide covers the real cost of attending Saginaw Valley State University, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
The total cost of attendance at Saginaw Valley State University spanned $24,043.00 and $41,563.00 across residency tiers.
Where you live mattered — in-state students paid less than out-of-state students: close to $24,043.00 in-state against $41,563.00 out of state.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $12,930.00 |
| + Room, board & other expenses | $11,113.00 |
| Total cost | $24,043.00 |
| That is 25% above the national average net price. |
| Total cost | $24,043.00 |
| − Grants and scholarships | −$14,161.00 |
| Net price | $9,882.00 |
| That is 49% below the national average net price. |
| Total cost | $24,043.00 |
| − Grants and scholarships | −$15,092.00 |
| Net price | $8,951.00 |
| That is 54% below the national average net price. |
| Tuition and fees | $30,450.00 |
| + Room, board & other expenses | $11,113.00 |
| Total cost | $41,563.00 |
| That is 116% above the national average net price. |
| Total cost | $41,563.00 |
| − Grants and scholarships | −$14,161.00 |
| Net price | $27,402.00 |
| That is 42% above the national average net price. |
| Total cost | $41,563.00 |
| − Grants and scholarships | −$15,092.00 |
| Net price | $26,471.00 |
| That is 38% above the national average net price. | |
| Go deeper on the components with the tuition & fees page and room and board. |
Published costs have climbed year over year by roughly 5.2% a year, so a full degree will cost more than a single year — the tables below carry that forward. 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. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.2% | 5.2% | 5.2% |
| Freshman year | $9,418.00 | $10,398.00 | $25,297.00 |
| Senior year | $10,971.00 | $12,112.00 | $29,468.00 |
| Total 4-year net price | $40,724.00 | $44,960.00 | $109,389.00 |
| 10-year loan interest @ 6.8% | $15,515.00 | $17,128.00 | $41,673.00 |
| Total monthly payment | $469.00 | $517.00 | $1,259.00 |
| Total amount paid | $56,239.00 | $62,088.00 | $151,062.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.2% | 5.2% | 5.2% |
| Freshman year | $9,418.00 | $10,398.00 | $25,297.00 |
| Senior year | $9,909.00 | $10,940.00 | $26,617.00 |
| Total 2-year net price | $19,327.00 | $21,338.00 | $51,915.00 |
| 10-year loan interest @ 6.8% | $7,363.00 | $8,129.00 | $19,778.00 |
| Total monthly payment | $222.00 | $246.00 | $597.00 |
| Total amount paid | $26,691.00 | $29,467.00 | $71,693.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.2% | 5.2% | 5.2% |
| Freshman year | $27,852.00 | $28,832.00 | $43,732.00 |
| Senior year | $32,443.00 | $33,584.00 | $50,940.00 |
| Total 4-year net price | $120,435.00 | $124,671.00 | $189,100.00 |
| 10-year loan interest @ 6.8% | $45,882.00 | $47,495.00 | $72,040.00 |
| Total monthly payment | $1,386.00 | $1,435.00 | $2,176.00 |
| Total amount paid | $166,317.00 | $172,166.00 | $261,140.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.2% | 5.2% | 5.2% |
| Freshman year | $27,852.00 | $28,832.00 | $43,732.00 |
| Senior year | $29,305.00 | $30,336.00 | $46,013.00 |
| Total 2-year net price | $57,158.00 | $59,168.00 | $89,745.00 |
| 10-year loan interest @ 6.8% | $21,775.00 | $22,541.00 | $34,190.00 |
| Total monthly payment | $658.00 | $681.00 | $1,033.00 |
| Total amount paid | $78,933.00 | $81,709.00 | $123,935.00 |
For the complete net-price picture, see the Net Price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $10,775.00 |
| Average net price (off-campus) | $14,582.00 |
Net price varies sharply by family income, dropping as need-based aid grows. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,545.00 |
| $30,000 to $48,000 | $11,338.00 |
| $48,001 to $75,000 | $13,963.00 |
| $75,001 to $110,000 | $16,972.00 |
| Over $110,000 | $18,491.00 |
Use Saginaw Valley State University Net Price Calculator, or get in touch with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Median graduate debt at Saginaw Valley State University is $17,500.00, categorized as a Low ($10-20k) burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,198.00 |
| 25th | $7,104.00 |
| Median (50th) | $17,500.00 |
| 75th | $31,000.00 |
| 90th | $42,131.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Dig deeper into debt on the student loan debt page.
Debt outcomes vary substantially with family income. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $17,724.00 |
| Middle income | $17,304.00 |
| High income | $17,500.00 |
On average, low-income graduates leave with $224.00 more debt than high-income graduates.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $18,001.00 |
| Continuing-generation students | $16,649.00 |
First-gen students at Saginaw Valley State University leave with $1,352.00 more debt than continuing-generation students.
Pell Grants are the largest source of federal need-based aid for undergrads. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt difference between Pell-eligible and non-Pell graduates of Saginaw Valley State University is $6,500.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate classification for Saginaw Valley State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.1% |
To give some context for these rates, Stafford loans disbursed at Saginaw Valley State University total $711,841,769.00 across 32,574 borrowers.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 61 |
| Avg GI Bill amount | $8,667.00 |
| DoD Tuition Assistance recipients | 4 |
| Avg DoD Tuition Assistance | $1,875.00 |
Dig into veteran education benefits on the college veterans page.
Beyond the data above, it helps to ask a few questions when weighing Saginaw Valley State University, think through the questions below:
Explore the related pages below for a deeper look at the cost picture:
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.