by our College Data Analytics TeamHere’s the full picture on paying for Spring Arbor University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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The cost of attendance at Spring Arbor University amounts to about $43,178.00 per academic year.
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 | $34,014.00 |
| + Room, board & other expenses | $9,164.00 |
| Total cost | $43,178.00 |
| That is 32% above the national average net price. |
| Total cost | $43,178.00 |
| − Grants and scholarships | −$25,350.00 |
| Net price | $17,828.00 |
| That is 46% below the national average net price. |
| Total cost | $43,178.00 |
| − Grants and scholarships | −$30,173.00 |
| Net price | $13,005.00 |
| That is 60% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees and room and board. |
The reported cost series has been increasing at about 3.1% 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. 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 | 3.1% | 3.1% | 3.1% |
| Freshman year | $13,403.00 | $18,373.00 | $44,498.00 |
| Senior year | $14,670.00 | $20,111.00 | $48,706.00 |
| Total 4-year net price | $56,120.00 | $76,933.00 | $186,325.00 |
| 10-year loan interest @ 6.8% | $21,380.00 | $29,309.00 | $70,983.00 |
| Total monthly payment | $646.00 | $885.00 | $2,144.00 |
| Total amount paid | $77,500.00 | $106,241.00 | $257,308.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.1% | 3.1% | 3.1% |
| Freshman year | $13,403.00 | $18,373.00 | $44,498.00 |
| Senior year | $13,813.00 | $18,935.00 | $45,859.00 |
| Total 2-year net price | $27,215.00 | $37,308.00 | $90,357.00 |
| 10-year loan interest @ 6.8% | $10,368.00 | $14,213.00 | $34,423.00 |
| Total monthly payment | $313.00 | $429.00 | $1,040.00 |
| Total amount paid | $37,583.00 | $51,521.00 | $124,780.00 |
Jump to the net-price detail in the net price section below.
Net price strips out grant and scholarship aid to show what families really pay. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $19,353.00 |
| Average net price (off-campus) | $20,899.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $16,569.00 |
| $30,000 to $48,000 | $18,940.00 |
| $48,001 to $75,000 | $18,556.00 |
| $75,001 to $110,000 | $21,635.00 |
| Over $110,000 | $23,328.00 |
Use Spring Arbor University Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The median graduating debt at Spring Arbor University stands at $24,724.00, categorized as a Moderate ($20-30k) debt-load classification.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,500.00 |
| 25th | $11,000.00 |
| Median (50th) | $24,724.00 |
| 75th | $27,518.00 |
| 90th | $34,484.00 |
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 detail.
Family income tracks closely with debt at graduation. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $25,690.00 |
| Middle income | $25,000.00 |
| High income | $22,392.00 |
Low-income borrowers graduate with $3,298.00 in extra median debt compared with high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $25,000.00 |
| Continuing-generation students | $22,537.00 |
First-gen students at Spring Arbor University carry $2,463.00 more debt than continuing-generation students.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt difference between Pell-eligible and non-Pell graduates of Spring Arbor University is $4,159.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate classification at Spring Arbor University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.8% |
To give some context for these rates, Stafford loans disbursed at Spring Arbor University reach $486,881,258.00 covering 16,992 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 41 |
| Avg GI Bill amount | $10,920.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about Spring Arbor University, think through the questions below:
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.